Palisades Collection - Delete Them from Your Credit Report
Palisades Collections is a collection agency. They are a subsidiary of Asta Funding. They collect on unpaid phone bills from AT&T and other unsecured debt.
There are a number of people that dispute an account with AT&T ever existed. Along with multiple complaints made about Palisades for violating the Fair Debt Collection Practices Act.
To get even a mailing address for Palisades you have to be very savvy. There is no official website for them and they outsource their incoming calls to a call center in India.
They are located in Pennsylvania, New Jersey and allegedly are headquartered in Wisconsin. Asta Funding the parent company does not provide any contact information for Palisades on their website even though they are both part of the same organization.
When Palisades Collection is contacting you I suggest first requesting validation of the debt. However some people claim to have had their request ignored.
Unfortunately it seems as though Palisades Collection is operating outside of the law and with a form of immunity from prosecution. Thus your options for dealing with them are limited.
Instead of responding to Palisades and there collection effort I suggest you dispute the listing Palisades created on your credit report. This is done by crafting a dispute letter that states the reason the listing is wrong. Common reasons are; information is wrong, account paid in full, item is out of date and then you mail this letter to the credit bureaus.
There are allegations that Palisades has purchased individuals private information and then created fake accounts to try and collect on. There are multiple allegations of them engaging in this behavior.
You can also hire a professional credit repair firm that has attorneys working there to deal with Palisades Collection. This can be done relatively inexpensively and this will guarantee that your rights are protected from an unsavory collection agency.
I suggest using extreme caution if you communicate with them on your own behalf. The reason for this is that you do not want to admit guilt for a debt and any communication you have with them can be used in a court of law.
In sum, if you are being contacted by Palisades I suggest seeking professional help and not responding to Palisades. I also recommend saving any communications from them and if need be file a complaint with the FTC.
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