Here we go... Nov. 3 i decided to go to the ATM to withdraw $20 out for a bottle of water. So upset since I know I am have been collecting unemployment benefits for a long while now. I called my bank to then be told that there was a hold on my account from a Palisades, then was given the name Attorney's name, Todd Houslanger and number to call him to find out what it was regarding. Now I have never in my life heard of this guy nor do I know who he works for. So I call and I am scared crying, having panic attacks, yelling at my fiance, etc. I call this guy and get an answering system. (it was 5 pm when I went to the store) Nov 4.. I went to my bank branch and spoke to the manager who gave me a copy of the judgment. The manager looked it over with me and seen no name of who they represented but and amount for over $2000. They never validated anything. The same address for Palisades was for Todd Houslanger. To make things worse I could not touch any of my exempt benefits and yet the Assistant for this jerk said that my bank should have told her I was unemployed, to fax my vital info over to her. Like hell I will not. My bank said they have to remove the hold. Still I an't use any funds to buy food. My bank said I was not exempt then I was, but all funds in my account are from unemployment. The address Palisades sent any papers too was an old address I used to live at 7-8 yrs ago in which I moved since myold roommates stole money from me. Yet, I waited a day to relax and I am still stressed out and my account is on hold. I reported fraud on my credit report and I had to vacate this judgment all to attend court with the same proof I did on Friday. I could not see the file since they did not order it. Is this even ethical or legal... I see all the complaints against Palisades on Google. My courtdate is the Nov. 18, Civil Court in Queens, NY. What should i do? The bank is so upset for me they do not want to be in the middle to be sued. I was told by a clerk in the courthouse when I called that it was At&t that theycollected for but I have no proof of that. As well, never had ans At&t account. Though, the old address was so long ago if I had seen any forms showing a threat to me I would have handled it. Though, this is hell and I should not go for it. I was able to get some of my funds but not all while the bank is hitting my account up with penalty fees do to purchases I made that did not post due to the hold in the first place... I feel like I have been raped and exposed for no reason. This has caused me so my agony and headaches.
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