Start My Answer

How to Beat Palisades Collection LLC in Court

George Simons | December 06, 2023

George Simons
Co-Founder of SoloSuit
George Simons, JD/MBA

George Simons is the co-founder and CEO of SoloSuit. He has helped Americans protect over $1 billion from predatory debt lawsuits. George graduated from BYU Law school in 2020 with a JD-MBA. In his spare time, George likes to cook, because he likes to eat.

Edited by Hannah Locklear

Hannah Locklear
Editor at SoloSuit
Hannah Locklear, BA

Hannah Locklear is SoloSuit’s Marketing and Impact Manager. With an educational background in Linguistics, Spanish, and International Development from Brigham Young University, Hannah has also worked as a legal support specialist for several years.

Summary: If you've been sued for a debt by Palisades Collection LLC, use SoloSuit to respond in just 15 minutes and win your lawsuit.

Many people are put in the position of being named in a lawsuit. If this unfortunate event were to occur to you, the proper action to take is to not ignore the situation. Once you are served with a summons, you have a limited amount of time to respond. This response is your legal right.

If Palisades Collection LLC is the company filing the suit against you, time becomes a critical component of exercising your rights. This is done with work to structure a legal strategy. Any consumer that doesn't protect their legal rights or respond to the summons is undercutting their own ability for any kind of positive outcome.

Despite the stress of being named in a lawsuit, working on this strategy is key. Finding out everything you can about Palisades Collection LLC is top priority.

Who is Palisades Collection LLC

Palisades Collection LLC is a company based in Englewood, New Jersey. Their name may or not be familiar to consumers they have attempted to collect from. One of the reasons for this is because Palisades Collection is a debt buyer.

A debt buyer purchases charged off debt. Often, the debt they buy is older in addition to being charged off. So as they are in the midst of their collection process, consumers should understand that when they receive verbal or written communication from Palisades or in some cases their parent corporation, Asta Funding, those names aren't ringing any bells with the consumers who allegedly owe the balances.

So, because they purchased an account that was charged off, the chance is very good that the consumer hasn't been contacted in some time. So, when collection representatives begin communications, consumers can be confused and assume they got the wrong party and begin to ignore the issue.

While standing up for yourself should be a given, Palisades Collection LLC and Asta Funding have had complaints lodged against them for harassment or unfair collection practices. So, knowing the company on the other end of a lawsuit is paramount to your legal strategy.

What Should you Do if Palisades Collection LLC Sues?

Keep in mind that being served a summons is not an enviable position to be in for anyone. It is imperative to not stick your head in the sand. Remember, it is your right to take action against the Complaint. This is the formal name for the lawsuit. Palisades Collection is making allegations about you, the debt that they allege is owed, dates and times that they allege that they attempted to collect the debt among these allegations.

You have to answer these allegations to protect yourself by preparing the correct answers to the suit. These “answers” are known as affirmative defenses. Once completed these affirmative defenses are submitted to the court. You see, the courts will not allow them to simply allege anything they want. The burden of proof is on them to prove to the court every single allegation they made in the Complaint. .

Palisades actually hopes and prays that consumers don't respond. Intimidation into doing nothing is what companies like this do. If you take no action, Palisades Collection LLC will file a motion to the court requesting a summary judgment. They do this because consumers failed to submit any affirmative defenses on their own behalf.

That's why it is essential to respond to their allegations. In some cases, the affirmative defenses can lead to a settlement or if Palisades cannot demonstrate the proof of the allegations in their complaint, the courts may even dismiss in favor of the consumer.

Your “Answer” to the Complaint must be done in a timely manner. Time is of the essence because in most jurisdictions there is a small window of time the court will accept your affirmative defenses. This is where SoloSuit can help.

The alternative to providing a response is your risk of the court granting Palisades Collection a summary judgment. If this occurs, Palisades can and most likely will garnish your wages. They can and would probably freeze your bank accounts and place a lien on your personal property.

What to do after submitting your Affirmative Defense

Simply submitting your affirmative defenses is not generally the end of the lawsuit. Palisades has a legal team ready to work against you to collect what they can. If they took the action of filing the lawsuit and serving you with the summons, they aren't about to quit because you responded to their allegations.

Your affirmative defenses put the ball back in Palisades Collections LLC court. They then have to provide you and the court the documentation that proves their allegations. Even if they were to provide some documentation, you have the right to demand the accounting of the alleged debt. This is your opportunity to hold Palisades accountable for taking the action of this lawsuit.

During this process, you have to make sure you do the following:

  • Submit your Affirmative Defenses in the time frame required by the Court
  • Do not admit any liability for the debt. Remember, make them prove to you and the Court that you are indeed legally responsible for the debt
  • Make sure that every allegation is answered. One of the common threads in complaints and counter lawsuits against Palisades Collection LLC is they have in the past, attempted to collect debts that were past the statute of limitations

This is how you can demand from Palisades that they verify and validate the accuracy of their allegations. As a debt buyer, Palisades may not have the original documentation of the debt. Verification of old debt, especially if the debt has changed hands more than once becomes a difficulty for companies like these. This is where SoloSuit can help.

What is SoloSuit?

SoloSuit makes it easy to respond to a debt collection lawsuit.

How it works: SoloSuit is a step-by-step web-app that asks you all the necessary questions to complete your answer. Upon completion, you can either print the completed forms and mail in the hard copies to the courts or you can pay SoloSuit to file it for you and to have an attorney review the document.

Respond with SoloSuit

"First time getting sued by a debt collector and I was searching all over YouTube and ran across SoloSuit, so I decided to buy their services with their attorney reviewed documentation which cost extra but it was well worth it! SoloSuit sent the documentation to the parties and to the court which saved me time from having to go to court and in a few weeks the case got dismissed!" – James


Start My Answer


>>Read the FastCompany article: Debt Lawsuits Are Complicated: This Website Makes Them Simpler To Navigate

>>Read the NPR story on SoloSuit: A Student Solution To Give Utah Debtors A Fighting Chance

How to Answer a Summons for debt collection in all 50 states

Here's a list of guides on how to respond to a debt collection lawsuit in each state:

The Ultimate 50 State Guide

Guides on how to resolve debt with every debt collector

Are you being sued by a debt collector? We’re making guides on how to resolve debt with each one.

Resolve your debt with your creditor

Some creditors, banks, and lenders have an internal collections department. If they come after you for a debt, Solosuit can still help you respond and resolve the debt. Here’s a list of guides on how to resolve debt with different creditors.

Settle your medical debt

Having a health challenge is stressful, but dealing medical debt on top of it is overwhelming. Here are some resources on how to manage medical debt.

Guides on arbitration

If the thought of going to court stresses you out, you’re not alone. Many Americans who are sued for credit card debt utilize a Motion to Compel Arbitration to push their case out of court and into arbitration.

Below are some resources on how to use an arbitration clause to your advantage and win a debt lawsuit.

Stop calls from debt collectors

Do you keep getting calls from an unknown number, only to realize that it’s a debt collector on the other line? If you’ve been called by any of the following numbers, chances are you have collectors coming after you, and we’ll tell you how to stop them.

Federal debt collection laws can protect you

Knowing your rights makes it easier to stand up for your rights. Below, we’ve compiled all our articles on federal debt collection laws that protect you from unfair practices.

Get debt relief in your state

We’ve created a specialized guide on how to find debt relief in all 50 states, complete with steps to take to find relief, state-specific resources, and more.

Debt collection laws in all 50 states

Debt collection laws vary by state, so we have compiled a guide to each state’s debt collection laws to make it easier for you to stand up for your rights—no matter where you live.

Statute of limitations on debt state guides

Like all debt collection laws, the statute of limitations on debt varies by state. So, we wrote a guide on each state’s statutes. Check it out below.

Statute of Limitations on Debt Collection by State (Best Guide)

Check the status of your court case

Don’t have time to go to your local courthouse to check the status of your case? We’ve created a guide on how to check the status of your case in every state, complete with online search tools and court directories.

How to stop wage garnishment in your state

Forgot to respond to your debt lawsuit? The judge may have ordered a default judgment against you, and with a default judgment, debt collectors can garnish your wages. Here are our guides on how to stop wage garnishment in all 50 states.

Other wage garnishment resources

How to settle a debt in your state

Debt settlement is one of the most effective ways to resolve a debt and save money. We’ve created a guide on how to settle your debt in all 50 states. Find out how to settle in your state with a simple click and explore other debt settlement resources below.

How to settle with every debt collector

Not sure how to negotiate a debt settlement with a debt collector? We are creating guides to help you know how to start the settlement conversation and increase your chances of coming to an agreement with every debt collector.

Other debt settlement resources

Personal loan and debt relief reviews

We give a factual review of the following debt consolidation, debt settlement, and loan organizations and companies to help you make an informed decision before you take on a debt.

How to repair and improve your credit score

Debt has a big impact on your credit. Below is a list of guides on how to repair and improve your credit, even while managing major debt.

How to resolve student loan debt

Struggling with student debt? SoloSuit’s got you covered. Below are resources on handling student loan debt.

Civil law legal definitions

You can represent yourself in court. Save yourself the time and cost of finding an attorney, and use the following resources to understand legal definitions better and how they may apply to your case.

Get answers to these FAQs on debt collection

How-to debt guides

Learn more with these additional debt resources


It only takes 15 minutes.
And 50% of our customers' cases have been dismissed in the past.

"Finding yourself on the wrong side of the law unexpectedly is kinda scary. I started researching on YouTube and found SoloSuit's channel. The videos were so helpful, easy to understand and encouraging. When I reached out to SoloSuit they were on it. Very professional, impeccably prompt. Thanks for the service!" – Heather


Start My Answer