Blog Question About Collecting on the Same Chase Debt Twice

Here’s a question from Sue:Palisades comes collecting twice

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

  1. Hi Boiler, I may be wrong but it sounds as if Sue went through a debt settlement or debt consolidation program back in 2007. If this is the case, the payments would have more than likely been made to Chase by the company in charge of the debt program.


    • Ron,
      That could be the case. That is actually how I read it too.
      If that is the case, there are two things she could do in my mind:

      First she could work with Chase and the debt consolidation company and get the documentation that may get Palisades to go away. She might spend hours on the phone… what a pain in the rear. The amount of grief this will be depends on how much documentation she has. Also keep in mind that she doesn’t trust any of these companies for good reason.

      The second idea I ran with was to just send them a debt validation letter and sue them if they violate the law. The debt validation letter itself might be enough to get palisades to go away.

      Obviously I always lean towards suing collection agencies. I think Sue could set them up for an easy FDCPA case.

      I always appreciate your comments, Ron. The fact is that we really don’t have enough information to really dig into this. I sent Sue a personal email yesterday to reach out to her and see if she wanted to discuss this. I haven’t heard back from her. With her consent, I will update this post.


  2. It is almost like they dont keep accurate records or have no morals… I guess that is the point of all of this!
    If you and Sue work on this, will you update the group? It will be interesting to learn from what happens.
    Denver Dave

    • Denver Dave,
      I will sure post more information if Sue approves. No new news or clarification yet.
      Fight the good fight, Boiler

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