Palisades Collection – Remove Them from Your Credit Report

Palisades Collection is a subsidiary of Asta Funding. They are debt collectors that primarily collect on AT&T wireless accounts.

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.

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 reportedly have offices in New Jersey, Pennsylvania and are headquartered in Wisconsin. However even Asta Funding their parent company provides no link or address for contacting Palisades.

If any collection agency is contacting you the logical first step is to request validation of the debt. With Palisades Collection there are reports of people requesting validation of a debt and their request was just 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 Common reasons are; information is wrong, account paid in full, item is out of date and then you mail this letter to the credit bureaus.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.

You should use caution when communicating with Palisades. You should do this because they can take the communications you have with them and use that information in a court of law to prove your guilt over a debt.

In sum, I suggest hiring a professional credit repair service to remove any negative marks that Palisades has created on your credit report. I also encourage you not to communicate with Palisades directly. They are not in a position to help you or resolve a conflict with you. They are instead only concerned with collecting payment for an alleged debt.