Pissed Consumer - Pallisades took my money out of the bank too.

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Pallisades took my money out of the bank too.

May 22, 2008

Palisades Collection complaint by Pissedoff26

Pallisades, going through lawyers Pressler & Pressler, claimed to have filed a judgement against me for an old phone bill with Verizon. The sent the notice to the address I lived at 7 years ago in another state. I never received it since I don't live there anymore. so how am I supposed to get a notice? Then they go to my Commerce account and clean it out and Commerce allowed them. Said they could keep coming and Commerce charged me $125 to allow them. I thought you were supposed to be sent certified notices for judments. Is this legal? And Commerce said they could take all of my direct deposited wages. I'm a single mom and I work for another bank, which doesn't pay a lot. I have other bills I'm paying out the wazoo and with the increased gas prices and food prices I can't afford to not have an income. I tried to make an arrangement and they wanted no less than $200 a month. I already pay $300 in health insurance premiums alone, a grand for rent and all my other expenses. I cant afford that. So they refused to accept $75. So now what do I do? Incidently, I have a BOA account and was charged an NSF fee of 35.00 for a 0.93cent overdraft. They're all about making the money at the poor person's expense. I can see them allowing this too.I don't trust the banks anymore. They are working against the consumer yet stealing right under our noses. I had my Commerce account for 12 years, no real complaints. My realtionship with them is over.

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Comments (4)

1. Written by Glenn, on 30-06-2008 17:24

Do you live in New Jersey? If so, you do have some rights that you must assert or else you lose them. That is what they count on - you not knowing your rights. In New Jersey they can't take your last $1,000 for any reason. But you must assert this in a hearing before a judge. You have the right to have this hearing by going to the clerk's office of the Superior Court in your county. Also, if you file bankruptcy within 90 days of the day they levied your account, the money will come back to your bankruptcy estate to pay all of your bills, not just theirs.

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2. Written by Simon Templar, on 04-06-2008 13:36

They can't use harassment to get money. Such as threats to throw peole in jail.

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3. Written by Mitchell, on 29-05-2008 15:28

It is very difficut to get a judgment that would allow them to clean out your account. I am astounded that the bank allowed them to without notifying you. I had a similier incident in Florida years ago and I ended up with lawsuit against the creditor and bank. According to Florida law at the time the creditor had to prove that they had contact with you

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4. Written by Working on debt free, on 22-05-2008 19:55

Can they legally take money out of your account in the state your living? I would think they probally could if they had a judgment against you.

Scary they can attach a levy on your bank account like that.

Hope everything gets better

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