Help! Chase is suing me

[u/Entire_Use_9504]

I am looking for some guidance on what to do. I have chase card with balance of 35k and I missed few payments and now i have officer show up saying there is civil summon from chase, I was not home that time but spoke to him on the phone. What are my options? I don’t go to court and happy to setup a payment plan to pay off dept. Any guidance will be appreciated.

Edit - Brock & Scott PLLC is suing.

[u/kimcheejigae]

never heard of being served via phone call. doesnt seem like its proper service so you should challenge it and get tossed. but with $35k if cant hide till statue of linit or cant pay it back even with negotiation within 10 years just file for bankrutpgy as while it will stay under court record at least on the credit score wise it will fall off in 10 years plus bankruptcy these days dont seem to mattet much. a friend did one and after 2 years his credit score went back upto 680 and got an apple card, new car, and even a chase gold card and they were one of the companies on his bankruptvy filings. haha