November 2008    Palisades sent a debt collection letter back in January 2008. Following your advice sent them a debt validation notice. Received answer mid November. All it contained were two 2004 statements from Bank One states account was charged off. I called to talk with them. Their phone system is antiquated to the point where it is a wonder they are still in business. They put you through, hang up; you call back, talk to some disgusting untrained collector with an attitude, and then shuffled again to an unprofessional collector with an obvious attitude. She stated that they do not need anything except a statement and no more documents to send. Do you have any advice? -DL

DL, Palisades/Asta Funding bought a large portfolio of garbage debts from Wolpoff & Abramson’s affiliates some time ago. It is widely known in the industry that they purchased a lot of junk that has no valid documents to give them validity. The fact that it took them 11 months to answer a simple request is proof of that. In their stupidity, they allowed the Texas statute of four years to expire, which means they cannot take any legal actions against you. T is my opinion, that based on current economic trends and the fact that Palisades/Asta is borrowing a lot of money that anyone dealing with them would be wise to stall for as long as possible. They seem to be operating in a constant state of confusion and my hunch is things for them will only get worse. The good news is that once a debt collector goes out of business you can dispute their account off your credit files. Wait them out, we expect to see a lot of agency failures in the next few months.

September 2008    You've got to be kidding me, This one belongs to Palisades Acquisitions, LLC same address belongs to Hosto, Buchan, Prater and Lawrence. llc. po box 3397 Little Rock, AR ......Add this one to the list of shady, crooked collection practices, etc. What is the deal here, lets just pop up another fraudulent company and go back and try to sue someone using this new name. SHOCK SHOCK SHOCK...Hope this is helpful to everyone. Incredible they can add whomever they wish to an existing legal document that has already gone thru the court system..IS THIS LEGAL

September 2008    Was served by Palisades collection July of 2008. for a debt that was past the statue of limitations. These people are scum bags... Anyway consulted with an attorney who in turn filed a response ( and this is important if you are ever served you must file a response ) He asked for proof, signed contract, etc. never heard any thing from them for a couple of months, just got a call from my attorney saying they will dismiss if we promise not to sue them!!! are scum they of course had no proof... We will accept offer only if the won't file again on the case and not transfer the debt... so we shall see what happens... I know it cost money to get an attorney's help- but it is well worth it. because if they get a default judgment you are basically screwed.... Palisades has filed 40-50 cases in my county hoping that people won't file a response

September 2008    In 2006, I received a call from Palisades Collections. The young lady on the phone was rude and had no information other than I needed to pay them $1400.00. I refused, she hung-up. The next day the same thing happens only this time she threatens to sue me and take away my home; she hangs up again. About two weeks letter I get a knock at the door and low and behold I am being served. I immediately contact my lawyer. My lawyer contacts them we are set for court they drop the case. Now it’s my turn I counter-sue and guess what? I WON; I have a jury awarded judgment for over $ 100,000.00. Fight back people they can’t be allowed to treat you and I like this anymore.

August 2008    On December 15th, 2006 Ohio courts have ruled on collection activities of Asta-like bottom-feeders. To collect on the account they must present the proof of everything: the original contract, itemized transactions with dates and amounts, total amount, which can be calculated as running sum etc. There is no way they can now collect on an old debt without full documentation. They can kiss bye-bye to that $9-billion portfolio from Great Seneca, which was bought "as-is with no supporting documentation" as it was reported by ASFI in it's 10-Q form in 2007. Stern family hit and missed, they are going to go belly-up.

Here is the quotation (can be cut'n'pasted, it is correct from public records) from THE COURT OF APPEALS FIRST APPELLATE DISTRICT OF OHIO:  Great Seneca Financial v. Felty, 170 Ohio App.3d 737, 2006-Ohio-6618.]

Action on an Account
{¶6} An action on an account, such as the one before this court, is appropriate where the parties have conducted a series of transactions for which a balance remains to
be paid. See Booth v. Bob Caldwell Dodge Country, Inc. (Apr. 30, 1996), 10th Dist. No. 95APE10-1367. It is founded in contract and exists “to avoid the multiplicity of suits [that would be] necessary if each transaction between the parties * * * would be construed as constituting a separate * * * action.” Am. Sec. Serv. v. Baumann (1972), 32 Ohio App.2d 237, 242, 289 N.E.2d 373. To establish a prima facie case for money owed on an account, a plaintiff must demonstrate the existence of an account, including that the account is in the name of the party charged, and it must also establish (1) a beginning
balance of zero, or a sum that can qualify as an account stated, or some other provable sum; (2) listed items, or an item, dated and identifiable by number or otherwise,
representing charges, or debits, and credits; and (3) summarization by means of a running OHIO FIRST DISTRICT COURT OF APPEALS 4 or developing balance, or an arrangement of beginning balance and items that permits the
calculation of the amount claimed to be due. Brown v. Columbus Stamping & Mfg. Co. (1967), 9 Ohio App.2d 123, 223 N.E.2d 373; Asset Acceptance Corp. v. Proctor, 156
Ohio App.3d 60, 2004-Ohio-623, 804 N.E.2d 975, ¶12, citing Brown, supra; see, also, Citibank v. Lesnick, 11th Dist. No. 2005-L-013, 2006-Ohio-1448, ¶9; Mercy Franciscan
Hosp. v. Willis, 1st Dist. No. 030914, 2004-Ohio-5058.
 

August 2008    These people sent me a collection letter a few years back. It concerned a small debt I didn't owe. I immediately send them a Dispute and request for Validation via Certified Mail. They never replied to it. This old alleged debt showed up as past due on my credit report over 10 years ago. I disputed it then. Palisades has placed this my credit and re aged it by 5 years. I disputed this with all three credit bureaus and send them copies of my signed certified letter return card. I also sent them a copy of my TRW monitoring report that shows it appearing as past due in 1998. They all replied that Creditor verifies account as being correct. I recently disputed this again and same answer from the credit bureaus. They absolutely won't remove anything that's incorrect even with proof.

July 2008    I used to work for this organization, they are a mess! When they bought all those accounts from Wolpoff & Abramson they came in with almost no docs. Warn your readers not to give them your social security numbers when they call in. The reason they ask for it is to put it into their system because they never got them in the W&A deal. The phones will accept any nine digit number, just don't use your real one. They setup the system for the purpose of capturing ss numbers they do not have so they can place it on debtors credit files. Palisades is a circus of how things go wrong and nobody knows how to fix it, as I said, they are a mess.

July 2008    Palisades is hurting from the big purchase of debts from Great Seneca. There is very little documentation that came with the sale which has caused a large number of lawsuits they filed to be dismissed. Sites like budhibbs have been hurting them as consumers are smart about demanding validation (which does not exist.) A lot of collectors have been let go, they are sending accounts to India to save money. The Stern family is pumping millions into the operation to keep it afloat. Keep up your excellent job of informing consumers of their rights, it's sites like yours that is putting the hurt on these parasites.

July 2008    These people just don't get it. They are flooding the country with calls and letters on old Wolpoff & Abramson debts that are way past statutes in most states. When consumers ask for docs they have to wait until they can be manufactured in the dispute department. There is very little original docs anywhere in the organization that proves anything they are trying to collect. Palisades/Asta is a joke, more and more work is being sent offshore to India. They really got screwed on that big W&A portfolio buy last year and they keep borrowing money from the Sterns. Tell your readers to always dispute the accounts and to show in court if sued because they have nothing to prove what they are collecting. This place is a cesspool of scumbags and wannabes who don't know anything about collections.

June 2008    gimme a break. I wrote the BBB in New Jersey about them calling and not leaving any messages on my answering machine. When I did pick the phone up, no one spoke. Since then, I have received a letter from them and I have written them back, via certified return receipt requested, also requesting all communications with me be done via US Mail. All calls have stopped.

I got a letter today from the New Jersey BBB, apparently Palisades Collections does not have me on record and cannot investigate this complaint any further without more information from me. They want me to provide them with my social security number, debtor's number and place of employment. NOT GONNA HAPPEN!!! They got my letter dated 9 June and the letter from the BBB was dated 12 June. Think someone is lying??

So let's see I write the BBB about phone calls, and I'm suppose to provide the caller with all this information. What's wrong with this picture??? What's the sense in complaining if they are going to do Palisades job for them. Not giving out any information.  Will wait and see them in court.

June 2008    After finding out my former employer had charged me with their Alltel cell phone bill and had it counted against my credit, I called Palisades Collections, LLC and explained the situation. The lady proceeded refused to help in any way telling me that it was my social security number on the bill and that I would have to pay. I pushed the issue trying to get across how ludicrous it was for me to pay my employers telephone bill and she hung up on me. They reported with all three bureaus in a very negative way that affects my score badly. If it was my bill I would pay it or try and make arrangements, but it is not and the injustice of the situation is very overwhelming.

June 2008    Have to agree with you. Wolpoff & Abramson gave Palisades this old paper maybe because they found out that I'm a disabled vet and haven't worked in over 8 years. The only income I have is my military retirement and VA disability which are both exempt from judgments. Or could it be that I want to see all paperwork, and have kept all paperwork from past collectors, on this debt before doing anything. Or could it be that the state attorney's office has a good investigator on staff that will research all complaints filed?? One of their investigators is a Vet and knows the drill. Or could it be the county court house is right down the street in this small town and everyone knows everyone? Think these could be some reasons Wolpoff and Abramson sold this to them. Dunno, but will wait and see what they do.

June 2008    Here's a first. They finally sent me a letter saying they bought this debt from the credit card company. What's funny bout that is Wolpoff & Abramson was calling me about that very debt last year. The letter just says I need to call them and give them my SS number. Don't think so. Sent out two validation letters. One to the PO Box in NJ, which this letter came from, and to the address in PA. It says if there is a dispute, I am suppose write to the address in PA. Will let you know when I hear back.

Also they finally left a message on my answering machine. Something about not being a sales call and I NEED to call Palisades back during the hours of blah blah blah. Nothing about who they are, what they wanted, who they wanted to speak to or a ref number. Just call them back and type in SS number. Then they repeated the message in Spanish.   (In our experience, when Wolpoff gives up on a debt, it really, really can't be collected.)

June 2008    These guys just started calling me. Every morning between 8 15 am and 9 am. My caller ID only shows 800-414-8319 with unknown below it. Did a Google search and found out it's them. When I do answered the phone, no one says anything. When I let the answering machine pick it up, no message is left. So, guess I will just wait and see what they are going to do. I live across the street from the county courthouse so I know everyone there. No papers have been files and you better believe, I will be there if they do. I know how to counter file too, but the lawyers I spoke with said it's better to counter sue them. This way they know they are in state. Matter of fact, I am keeping record of my caller ID screen and copies of messages, or lack of, my answering machine. Seems I know how to set the machine to the right date and time. If they will ever send me something, will request validation CRRR.

May 2008    I just wanted to let you know, and you can inform your regular visitors, that as of this week, and next Monday, there have been and will be three, yes, that's right, THREE!!!, Federal Class Action Law Suits filed in Federal Court in Illinois against Palisades Collections LLC. Palisades has filed over 200 lawsuits in the Northern district of Illinois since January of 2008. While I am not a lawyer, I do have knowledge of statutes in Illinois regarding the FCRA, and the Illinois Collection Agency Act. I have spent countless hours sifting through and reading over and over again statutes that I would be happy to provide to you directly, which will help you help your visitors from Illinois know about this, and how to fight these slime. I am not one to excuse not paying ones bills. However, i have a real problem with junk debt buyers who purchase charged off accounts at four cents on the dollar and then claim that they are entitled to thousands at the expense of people who have had financial problems. Somehow, my information was sold to these same slime as well. So lets just say I have a particular ax to grind, and a cross to bear. I plan on devoting the rest of my life to seeing Gary Stern, and his slime business partners go down.  I will keep you updated as of the cases at hand as I have personal knowledge of exactly what it is going down. These are cases that very well have the potential of going up to the highest courts in our nation. And, one day, maybe in the next year, perhaps two years, Palisades Collection LLC, will start it's long journey on her way to becoming a distant memory. And one more note for your Illinois and Illinois area visitors.  Also I am going to send you a link to a case study on Junk Debt Litigation written by Daniel A Edelman, who provided analysis of how to defeat debt lawsuits. Trust me. Read it, and post it. For now, I will call it the " How To Beat a Junk Debt Lawsuit Bible" I will attach this and send it your way sometime in the next few days. I'll be in touch, and I'd love to help you, and you followers out. If you know of anyone who has recently been sued by Palisades in Illinois, or in or around Illinois, i.e., Wisconsin, Michigan, Northwest Indiana, or Iowa. let them know, that soon, their nightmare, may turn into a dream when they see Palisades crumble, and that they should contact a consumer protection lawyer ASAP!

November 2007      I had my wages garnished by this company and the money sat while they continued to garnish my wages. they were telling the judge that i still owed x amount of money and continued to garnish my wages. finally about $2500 plus was sitting at my work and my mom had just died and i got another garnishment. i called them and told them all this info and they still garnish me. I even went to a lawyer to get help and he didn't want to be bothered by me and told me they were a reputable company. i want them to pay for their lies to the judge and for just garnishing me wrongfully , but i just don't know where to go or to seek help. i did finally get some of my money back after they sent me my paid off court paper.. its just that they were granted a certain amt and they got almost over $4000.00. any way i don't know what you can do but here is another story for you....also can a lawyer for a collection company serve you with a summons without a court case or filing number. or even without a signature from a court clerk???

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