This is from a client who just successfully defended themselves against Palisades. Too bad the entire country doesn’t hold to such standards.

“We objected when the Plaintiff lawyer tried to enter a Statement of Account into evidence, and we spoke of Palisades never Validating debts (showed copies of EVERYTHING) the judge ruled in OUR favor and dismissed the case. He said the plaintiff has 14 days to appeal it, but they won’t be able to use the Statement of Account in the next court proceeding if they appealed since it was thrown out in this court. The lawyer said he didn’t have anything else to admit into court if they couldn’t use this paper.

“The judge (NOW PAY ATTENTION TO THIS ALABAMIANS!) said that the civil court judges in Alabama had recently had a meeting about accounts not showing a “Chain Of Custody” on old/sold credit card debts. The judge said that if they were asked by defendant to show this “Proof of Custody” and they could not, then they cannot prove proper ownership of the account. The judge also said that IF the defendant objects to accepting into court these “Statement of Account” documents written out by the debt collector (Palisades) (but not documents from the Original Creditor) then they are no longer admissible in court as proof of amount owed or account owned.

“Most debt collectors have only these papers to prove a debt (especially from Palisades & Unifund). But for this to work, the defendant must object when the Plaintiff decides to ask the court to accept them. If the defendant doesn’t object and actually agrees to accept them, then they CAN be used.”

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