Palisades collection LLC Being sued for false A T @T debt for $10,000 Englewood Cliffs New Jersey

 From http://oag.ca.gov/consumers/general/collection_agencies10 - Palisades is a third party bottom feeder debt collector.  I suggest you find a Consumer Attorney and sue them. Been in this situation and I did win not once but twice.

The collection agency must provide the following information to you, either in its first contact with you regarding an unpaid bill or in writing within five days after that contact:

• Amount you owe;
• Name of the creditor; and
• Process to follow if you dispute the bill.

The five-day notification period applies whether the collection agency's first contact with you is by telephone or in writing, but many agencies include that information on their initial written notice, whether or not they have telephoned first.

Each written notice demanding payment for a bill must contain the following information (15 United States Code section 1692g(a)):

• Creditor's name (on the first notice);
• Name, address and telephone number of the collection agency;
• Date the notice was mailed;
• Amount due;
• Employer Contact; and
• A statement that the debt is assumed valid unless consumer notifies collector within 30 days of receipt of notice that the debt is disputed.

An agency may contact an employer, but only for the following reasons:

• To verify your employment.
• To verify your business location.
• To garnish your wages once you have been taken to court and a judgment was entered against you; or
• To find out whether you have medical insurance to cover a medical bill

In a situation where an agency is legally contacting your employer to verify your employment or business location or to garnish your wages, the agency must make its inquiry in writing.  If the agency receives no response to its written communication within 15 days, the agency may contact your employer by other means.

A collection agency can contact you at work unless the debt collector knows or has reason to know that your employer prohibits you from receiving such communication.  However, if you don't want to be contacted at work, you can request that they not telephone or send you notices at work.  Be sure to make your request in writing to protect yourself.  If the agency does send you a notice at work, it must be marked PERSONAL AND CONFIDENTIAL.  If you request no further contact at work and the agency is unable to contact you at home, the agency may have no other option but to decide to sue you for the amount of the bill it is collecting (15 United States Code section 1692c(a)(3)).

You do not have to accept a collect telephone call from a collection agency unless you agree to it in advance.  It is illegal for an agency to misrepresent the purpose of a call in order to trick you into accepting the charges (California Civil Code section 1788.11(c)).

If you want to stop all contact from the agency you may request that they not contact you again.  This request MUST be in writing.  We suggest that you mail it certified, "return receipt requested" so you have proof of its delivery.  Once the agency receives your letter, its employees can only contact you one final time to explain what action they plan to take.  After that, contact must stop.  Remember, though, that if you request no further contact in any way, you may leave the agency with no choice but to take you to court (15 United States Code  section 1692c(c)).