Palisades Collection Agency - Facts, Info & How to Fight Back!

Are You Being Harassed by Palisades Collection Agency's Bill Collectors?
You arrived at the right place. Below you should discover all the facts and information you need to stop the collection calls, negotiate for a better credit rating, and improve your credit score.

Who Is the "Palisades Collection Agency?
Palisades Collection LLC is a large collection agency which collects consumer debt that is late or has been charged off by the original creditor. Palisades Collection either purchases past due debts from original creditors or alternatively, contracts to collect a debt on behalf of a third-party.

Palisades buys and/or contracts to collect a debt on behalf of original creditors such as a cell phone provider or credit card company. For example, Palisades Collection purchases deficiency auto loan repossession accounts from Nissan Motor Acceptance Corporation. Palisades Collection then tries to collect the balance owed on the debt often racking up additional interest and fees over and above the balance when Palisades acquired the debt. Palisades has been associated with collecting debts owned or previously owned by AT&T, Nissan Motor Acceptance Corp., Citi Bank, Providian - also known as Washington Mutual.

Palisades Collection Address and Phone Numbers
Palisades Collection LLC
210 Sylvan Avenue
Englewood Cliffs, NJ 07632

*Dispute Correspondence Address*
87 South Commerce Way
Suite 700
Bethlehem, PA 18017

Phone Numbers
1-866-230-8094 or 1-800-991-9367
*you will be prompted to enter your social security number.
Fax: (610)-866-6586

Articles and Forum Postings About Palisades Collection Agency
Rip Off Report
Debt Consolidation Care
Credit Magic

How to Handle a Phone Call from a Palisades Bill Collector
First, remain professional but not overly-friendly. Second, do not act like the creditor's friend and resist the urge to fill awkward silences with pleasing chatter.

Remember, the bill collector does NOT share your same goals. He does not care about the accuracy of your credit reports, he does not care about whether you disputed the accuracy of the debt. In fact, if you say anything other than "how can I pay you?" the collector probably views you a simply a waste of his time.

That is why a professional credit correction attorney will tell you that written correspondence is the best way to deal with creditors. Written correspondence are uniquely more powerful than words. Specifically, (a) a creditor who receives a formal letter does not know how friendly the author may or may not be (b) the creditor does not know if the letter was prepared by your attorney and finally (c) the creditor remains guessing as to whether you will follow through with any of the formal proceedings hinted at in the letter.

In sum, dealing with aggressive bill collectors is like a high-stakes poker match. It is crucial that you maintain your 'poker face.' Being overly chatty and saying too much to a bill collector is the equivalent of "showing your hand" in the middle of the game.

Recent Lawsuits Filed Against Palisades Collection Agency

  • Hernandez v. Palisades Collection LLC (Connecticut District Court, Sept. 29, 2008) - plaintiff alleged violations of the Fair Debt Collection Practices Act (FDCPA), Connecticut Unfair Trade Practices Act, and Consumer Collection Agency Act (CCAA).
  • Zenon v. Palisades Collection, LLC (Miami, FL District Court, Feb. 21, 2008) - plaintiff alleged unfair and deceptive debt collection practices act claiming that Palisades attempted to collect a debt already paid, reporting the debt to credit bureau agencies, and failing to disclose the debt was in dispute.
  • Bass v. Palisades Collections, LLC (New Jersey District Court, Sept. 26, 2008) - plaintiff alleged violations of the Fair Debt Collection Practices Act because Palisades attempted to collect a debt owed to At&t when the debt had been incurred by identity theft.

How Palisades Will Ruin Your Credit History - If Palisades Collection claims to own a debt belonging under your name then you should expect them to report derogatory information about your credit history. Having a "COLLECTION" on your credit report can lower your credit score significantly. Even worse, banks are likely to deny an application for new credit if you have an outstanding debt listed with Palisades Collection Agency.

"Palisades became a major problem for me because they were destroying my credit history without any legal right to do so. They did not own the debt or have the right to be reporting negative information to the credit bureaus.

I told Palisades that the debt was in dispute, but they could care less. The entire experience was very frustrating. My credit score had taken a nosedive so I decided it was time to hire a credit repair attorney. After researching many of the options, I elected to hire the attorneys from Lexington Law as they appeared to have the most experience."

They proved to be the right choice. Here are the negative Palisades collection marks that were destroying my credit history:

Here is how Palisades Collection Agency ruined my credit - this is the collection they listed with Experian

They also showed up on my Transunion Report showing a $15,116 collection - OUCH!

Within a few months Lexington Law deleted the Palisades Collections - as well as many other negative items - and my score steadily improved. It was a great day when I learned that Palisades was deleted from my credit!

Here is the letter from Experian showing the Palisades Deletion

Letter from Transunion showing Deletions:

Altogether Lexington Law deleted other questionable bad credit including duplicate credit card charge offs, and utility and medical bills sent to collection agencies.

Plus, they assisted with more than just disputes with the credit bureaus. They handled more advanced credit repair strategies such as debt validation, escalated information requests, credit inquiry investigation, and more.

If you are struggling with the Palisades Collection Agency - or any bad credit for that matter, I encourage you to check out the Lexington Law Firm.

They have experienced deleting the following items:

  • Charge Offs
  • Collections
  • Bankruptcy and Included in Bankruptcy
  • Liens
  • Late pays
  • Repossession
  • Foreclosure
  • Wage garnishment
  • and More!

Click Here to Visit Lexington Law

Or Call 1-888-585-3999 (Case analysis is Free)