On Fed. 12, I received a letter from my bank advising that my accounts were on hold due an order from Palisades Collection, LLC represented by attorney, Todd E. Housianger of Jousianger & Assosciates, PLLC with an office at PO Box 742, Katonah, NY 10536. I went to the bank and they have me a copy of the Information Subpoena showing a judgement entered against me in The Queens County Civil Court on 11/03 for an amount of $1,352.57. I have no idea what the judgment is for as no details about the debt is listed. Though the Subpoena has my correct SS#, the address is not mine nor have I ever lived there. This has never showed up on my credit reports. I am totally baffled and frustrated because I don't have any funds, not that I had that much as I live from paycheck to paycheck. Making this worse is that the bank is charging me all these fees for returned automatic debits.
I went to the Civil Court and filed an Order to Show Cause. I am scheduled to appear in Court next week.
I also sent the company a Validation of Debit request and an exemtion claim as the money in my account is from my employment.
I also checked the NYC Dept. Of Consumer Affairs website and Palisades Collection is not listed as having a license to collect debt in NYC. How/why are these companies able to just place hold on your accounts so underhandedly. It totally creates an unnecessary but immediate crisis with extended negative impact. I don't want to ruin my credit score. Why don't they try to contact you first to resolve if it is indeed your debt. Is this even legal?
How do I resolved this? It has created undue stress and I can't make my migraines go away. I have no money for groceries or emergencies. C