Need help getting a paid collection removed â?? will pay good amount for pro to do this for me or help with the process. The account... Palisades Collections ATT cell phone bill $178 Paid 9-06 Not mine I was in middle of refinancing when I found out about it, had no choice but to pay it off. Since then have disputed it as not mine, but keeps coming back verified. I am fresh out of ideas. Also need help withâ?¦getting inquiries removed and a few other minor things. Email me, will pay good $$$ for Talented pro to help.
Honestly, if you have already disputed it, it was verified, and it is in fact not yours, you need to consult a consumer attorney in your juridiction. You would need to establish some fashion of damages for a FCRA claim but, not so for a FDCPA action. Let me know what state your in and I can make a referral for you. Palisades is not a company that will be deleted easily and your payment is much like a self verifying act. Even still, they verify virtually every disputed tradeline regardless of the circumstances. Just a bad debt purchaser gone far astray.
If you insist on hiring a professional credit repair company than one of the better known ones is Lexington Law firm.
Lexington Law Info Hi Snowboard, Our site has information on Lexington Law and a link for you to learn more and sign up. Click on the link below or click on our Credit Services tab, then on Credit Repair. http://consumers.creditnet.com/Credit_Services/Credit_Repair/Lexington_Law.php Lisa
I would want this reviewed by an attorney, since you apparently paid a debt that was not yours only to limit your damages from holding up your mortgage. Even though you paid it to close on your mortgage, if they violated FDCPA and FCRA in coercing that payment, you would want to know if it is worth suing not only for your $178, but possibly for other damages that might result from any increased interest you are paying over the life of the loan from erroneously reporting the debt, as well as the credit damage you are now experiencing. It might make it interesting enough for an attorney to take on contingency. Viewing this as only a "credit repair" problem may limit your available solutions and their economic feasability, compared to viewing it as erroneous debt collection with violations resulting in liability for damages.
Just because you paid the amount in question, this does not relieve Palisades from their legal obligations of accurate reporting. You may be able to handle this one yourself (without an attorney). You still have the legal right to DEMAND FULL VALIDATION, there are plenty of sample letters here on this forum to use. If you follow the process, you have a high chance of getting this negative removed. 1) Send a DV letter to Palisades (use samples on this board). Make sure you send it Certified Mail Return Receipt Requested (this is key!). Keep a copy of the letter sent, and be sure to include IN THE LETTER the CRRR number to link the letter to the Certified Mail. (this will strengthen your case if you go to court). In the letter, demand deletion if they cannot provide full evidenced validation. You also MUST put in detail that "though you paid this debt under diress, this payment is not to be taken as an admission of validity of debt". 2) Investigate the account with AT&T, call them for the original account infromation, and request (in writing) a statement of account with status. You may be able to use AT&T as an ally in this dispute. You will want to build a "war chest" of documentation to prepare to going to court if needed. These are the steps an attorney would take, and you can save yourself some money in the process. Since you have paid the debt, they most likely will not give full and proper response to your requests, this is where you start "drawing the foul", so to speak. Just stay on them, and they will make a mistake. Start the process by sending a Demand For Validation of Debt, and we will walk you through step by step, contigent on the outcome of each process step. Good Luck, remember, persistence and documentation is the key to winning the battle.
If they won't just remove because you are a pain in the ass, then you have to get it into court. The problem is that by you paying, they will claim you admitted the debt was valid. You already lost your validation request rights under FDCPA by paying, and it is probably already past 30 days anyway. That leaves you FCRA or FACTA violations, for misreporting, but they would still probably have a bona fide error defense against damages since you paid. Situation may be different if you disputed and requested validation, they sent nothing but would not remove the TL, and you had to pay to close on your mortgage. Even better if you sent your payment "paid under protest". If they failed to mark the credit report entry as "in dispute", and they failed to notify your lender, or title company, or whoever determined this debt had to be paid to close, that the account was "in dispute", then that is your FDCPA violation to get it into court. If the collection activity was deceptive or otherwise illegal under FDCPA or FCRA, and the validity of the debt is undermined, and the result was damages both in terms of the payment, and in higher finance costs, you might have leverage to both force removal, and you might be able to find an attorney to take the case. Otherwise, they figure they scammed you fair and square. Once they see a mortgage inquiry on your report, they probably figure they have you. Note: I am NOT an attorney.
