I received a phone call from some gentleman @ Palisades, LLC back around the Holidays on a Sunday evening after 9:00 pm ( if I am not mistaken, that is illegal in it's own right ) stating that I had a debt on an old AT&T account...I have not had AT&T as a provider since late 2001...He asked me for my full name, my address, my employer, my DOB, my SS#, my marital status, etc...I informed him he would get none of that until I received something in writing indicating not only the debt origination, but proof that he had a right to call me as he didn't have any pertinent information...Of course I received a bill and followed up with a phone call again requesting more information...I explained that AT&T would hardly have sold a debt without it ever appearing on my Credit Report...The young woman I spoke with was very rude and again with the personal questions ( why is my marital status important on an old debt? )...I divulged nothing and I hope anyone here adheres to that same notion...Can someone please help me as I am apparently not the only person suffering this...I found out they hit my credit like most others here while applying for a loan and I am told this must be removed to continue that process...Palisades states that my debt with them is for $375.00 and that it must come from my not satisfying the 'early termination fee' when I closed my account with AT&T...That is not the case; I moved to Verizon once my contract termed for a better rate plan ( but of course they provide no dates )...I work two jobs and don't have the income nor the time to satisfy something that I know to be incorrect...Can anyone guide me in the right direction that has had speedy significant results with little time on the phone?