I\'m being sued by Palisades Collection LLC and I need to know what do to!
I\'m 27 and the only credit card I\'ve ever had was from a joint account years and years ago with my mother. We owned a small record label that went under and I was very young at the time but the debt was never paid. Unfortunately my name was on the account so this might be where they found my name from! The problem is...we called the number and they tried to push me to pay off the money but wouldn\'t really tell me what the debt was from! They say I owe $8231.12 but I still have no idea what this debt is from. It doesn\'t state it anywhere on the papers that I have here. The papers were not even served to me myself, they were given to my younger sister under the pretense that it was \"a special delivery\" for Christmas. I have never heard of Palisades, I\'ve never received a letter or a phone call from them prior to this. I\'m honestly in the dark about what this is about. I\'ve read a lot of things online about how this company is not legit, is a scam, etc. The last line on the papers reads \"This is an attempt to collect a consumer debt and any information obtained will be used for that purpose. This Communication is from a debt collector.\"
So what do i do now? I\'ve been told I should answer and they might just go away but I\'m clueless about this. I\'ve tried to research this online but I get confused reading through all of the directions and I still need a little guidance. What form should I fill out to answer? Where should i go to get it? What comes next? Any help AT ALL would be very much appreciated. Thank you so much.