• Report: #242919

Complaint Review: Palisade Collection

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  • Submitted: Sun, April 08, 2007
  • Updated: Tue, April 10, 2007

  • Reported By:Norton Virginia
Palisade Collection
200 South Executive Dr. Englewood, New Jersey U.S.A.

Palisade Collection the account they refuse to remove from my credit report was included in bankruptcy ripoff Englewood New Jersey

*Consumer Comment: Additonal information

*Consumer Suggestion: You can't get it removed, only modified.

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For the past two and a half years I have tried unsuccessfully to get Palisade Collection, LLC to remove a collection from my credit reports that was included in bankruptcy. I have gotten nothing but the run a round. They have tod me everything from "this isn't even your account" to "we will take care of it right now." I have sent them the copy of my bankruptcy discharge showing that the debt was included and I still cannot get them to remove it from my credit reports. Last year this cost my husband and myself a home loan. We are trying to buy a house again and it is causing us the same problems. I am at the end of my rope. Help!

Nancy
Norton, Virginia
U.S.A.

This report was posted on Ripoff Report on 04/08/2007 04:33 AM and is a permanent record located here: http://www.ripoffreport.com/r/Palisade-Collection/Englewood-New-Jersey/Palisade-Collection-the-account-they-refuse-to-remove-from-my-credit-report-was-included-i-242919. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.

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#1 Consumer Comment

Additonal information

AUTHOR: Ripoff Reporter - (U.S.A.)

What I forgot to mention was that you might be able to dispute the account as "not mine" through the major credit bureaus. By you saying the collector is telling you "this isn't even your account" it makes me wonder if the account was pulled by the original creditor. Meaning the collector would no longer have the account in their files, and hence, the reason they are confused when you call.

They will tell you anything to get you off the phone, if you aren't in their files anymore. They have so many calls to make; they do not want to screw around with credit reporting issues.

If the collector comes back and verifies the account is in fact yours, then you can send the credit bureaus the letter with the discharge letter from the court. Then you can state you have made an honest mistake and realize the account is yours.

I hope I have not confused you. Basically, you will have more advantage if you dispute the information through the credit bureaus. The collector must respond to the credit bureaus inquiry within a reasonable time generally considered 30 days.

If the collector does not respond within a reasonable time, then you can send another letter demanding the credit bureau delete the collection account from your credit report. They will typically do this automatically during the verification process, but they do not always.

Also, as a last resort, something else you might try: contact your attorney and have them draft a letter to the creditor/collector stating they need to correctly list your account as Included in Bankruptcy.

Good luck!
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#2 Consumer Suggestion

You can't get it removed, only modified.

AUTHOR: Ripoff Reporter - (U.S.A.)

You can only have the collection account listed as "Included In Bankruptcy" and they do not have to delete it. Your credit report is a reporting of your handling of your finances. The fact is that the account was sent to collections and that you dischangred the debt in a bankruptcy. That is an accurate record of the past.

You are wrong to think that filing bankruptcy wipes your credit reports clean. Quite the contrary!

Your best bet is to dispute the account(s) with the three major credit bureaus and send in your discharge papers with that account showing. They will change the accounts to "Included in Bankrupcty." This won't solve any negaitve credit scoring from your credit reports, but it will show you no longer owe the money to the creditor.

Basically, you have to wait seven years for derogatory information to dissapear from your credit report. A bankrupcty filing itself stays for ten years.

Unless the collection company purchased the debt from the original creditor, a collection account will typically only be placed with a third-party collector for six months or so, unless the agency is able to start getting payments. Once the original creditor pulls the account, the colletion company will not have any record of it anymore.
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