I received a letter from Palisades Collection telling me I owe 7,140.49 I went through a Debt company back in 2007 and I paid my debt and now I receive a letter that I owe this money for Chase. Is there anyway I can fight this? I don’t trust these people.
Here is my reply:
Sue, as you can now tell, these collection agencies are flat liars. All of them. They will sell the same debt over and over even if you pay one of them. I don’t blame you for not trusting them.
To answer your question, I have to make an assumption or two. Correct me if I am wrong. I am assuming you paid a Palisades collection agency in 2007 and that it is a new collection agency that is calling you now.
You need to dispute the debt with the new collector within 30 days. This will reserve all of your rights under the FDCPA. Please make this a priority
After disputing the debt, if they send you another collection letter, it is a violation of the FDCPA – 1692 g(B). This is likely to happen and you will have them on the hook. You can then sue them or hire an attorney to sue them in your behalf. I would do it myself, but the choice is yours.
Another violation is that they are collecting on a paid debt. In doing this they are violating falsely representing the character and amount of a debt. This is an FDCPA violation 1692 e(2). Again, you can sure them or hire somebody to sue them.
Let me know if I have made any false assumptions. Also, let me know how I can help you.
Fight the good fight, Boiler