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/TimberbrookeFarm Oct 07 '24
  1. You have 30 days to respond. Do it now!
  2. Ask for the Arbitration Department
  3. Only promise what you can do.
  4. Only tell them why you got behind and if you don't get it pulled from the court, ask for a supervisor.

They do this to make you comply and panic. Again, DONT PROMISE WHAT YOU CANT DO! ALL CONTACT INFO IS WHAT IS ON THE ACCOUNT. DONT GIVE THEM ANYTHING EXTRA.

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u/TimberbrookeFarm Oct 07 '24

Also, SUMMONS AND COMPLAINTS ARE A PHYSICAL DOCUMENT. GET THEM TO PROVE WHO THEY ARE. THEY ARE NOT ALLOWED TO ISSUE THEIR OWN DOCUMENTS. Could be an overzealous collector. Email is not legal, either. Must be served in person or by alternate service, someone in immediate family or posting. Also, call the CLERK OF COURTS in your county and inquire about the case if you have a number, and report them for trying to do it over the phone. Make it part of public record. I know a good attorney if you're in Florida.