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My son was incarcerated for a year and defaulted on several credit cards as a result. Chase sent a 1099C to the IRS in 09 and we filed his income tax, declaring him indigent. Now he's out and trying to settle things and Chase is still reporting the debt plus considerable interest and their reps say that he still owes it. This is not a debt collection- Chase still owns the original debt.I meant 'this is not a debt collection AGENCY-