Palisades Collection – Delete Them from Your Credit Report

Palisades Collection primarily collects for AT&T. They are a subsidiary of Asta Funding another collection agency.

There are many reports from individuals that have been contacted regarding an AT&T account these individuals dispute the account ever existed. Palisades has also been accused of violating the Fair Debt Collection Practices Act a piece of legislation that was passed to protect the rights of individuals from debt collectors.

They do not have a website and reportedly outsource incoming calls overseas. Thus even just finding a mailing address for them can be a task in it self.

There are offices in Pennsylvania and New Jersey and they are headquartered out of Wisconsin. However Asta Funding the parent company provides no contact information or physical address for Palisades.

If you are being contacted by Palisades Collection I would first recommend requesting validation of the debt. However for many individuals that have requested validation they have had their request completely 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 Common reasons are; information is wrong, account paid in full, item is out of date and then you mail this letter to the credit bureaus.

Palisades has been accused of purchasing individuals private information from banking establishments. They allegedly take that information and then create a fraudulent account to try and collect payment on. There are multiple allegations of them doing this.

Another step and perhaps a more appropriate step would be to hire a professional credit repair firm that employs attorneys. This can be done at a reasonable rate and this will provide you with legal resources to file a lawsuit against Palisades and at the very least protect your rights.

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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