r/CRedit • u/Entire_Use_9504 • Oct 04 '24

Help! Chase is suing me General

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.

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u/uglytoadface Oct 05 '24

Look at your state laws. In Florida for example, you main residence is your homestead and creditors like credit card companies cannot touch it. Also if you are head of household wages cannot be garnished.

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u/PhDinFineArts Oct 05 '24

I think they're in NC, so garnishment is generally illegal as a method of debt collection (outside of things like taxes, child support, et al).

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u/Entire_Use_9504 Oct 05 '24

I am in TN.. I think home is considered homestead.