I received a letter saying they are trying to collect a debt for Palisades Collection LLC for "$1,656.58 PLUS INTEREST". They said I had 30 days to dispute it. I called and said I did and then sent them a letter (which they then said they never got) so I faxed it to them. I stated that I did not feel I owed this debt but would try to pay them $10 per month because they said my name was on it and I owed it no matter what and it would go on my credit report if not paid.
They took my first $10 payment and then sent a letter basically saying, gee thanks but you have 5 days to pay this debt. When I called they never responded. I then sent a letter saying I want proof of this debt. They never responded.
Now they sent a letter saying they filed on 1/21/08 (Monday) and a date should be set within 30 days but to call if I wanted to talk about this. So I called and asked them if this was their respone to my request for proof of this debt. They said no, this just their process and they never got a request for proof. So the collector looked in their computer and said it was originally a Household Bank credit card opened on 9 and gave the account number. I said okay but what about the application and transaction report I asked for. She said "your talking about an account that has been sold 2-3 times, we do not have that detailed of information". She then said they are not collecting this for Palisades they are working for Ncan (this is the FIRST I have heard of this company). I asked her again how they got this account and she said Household sold it to Palisades, Palisades sold it to Ncan and Ncan sent it to Gamache & Myers for collection. Mind you, I have never received ANY letters from Palisades OR Ncan.
Can I still send a letter asking for proof, certified or do I have to wait until the date has been set and I am served? They said at this point they HAVE filed it in court, it just is not showing up yet and they have not assigned an attorney to it yet?!?
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