About 3 or 4 yrs ago Chase Bank, let me open a credit card with a line of credit for $1,300.00. We’ll at that time I had a decent job and figured I could afford to use it. Shortly after I lost my job and was not able to make payements. Now 4 yrs later this lawyer firm is representing Chase Bank and I have to appear in pre-trial on the 22 of this month (Jan 2013). From the paperwork I received I owe $1,780.05. I do not have the funds to settle at this time. I live in FL and my research says a creditor could garnish up to 25% of my wages witch would would be $160. Cant afford that. But I’am willing to make a reasonable payment arrangement.
Can I get Chase to take back the account and work with them or do i have to try and work with this law firm. I even though I just received the notice to appear in court today. I have only till the 22nd to appear in court. I would like to have some plan in action so I do not have my wages garnish. I read some where that I could state in writing that I only want to deal with the original creditor and that its my right to do so. Is that true?
Either way I need help, cannot afford a lawyer, but like I said i’m now in a situation where i could make payments on this debt
If you have a credit or debt question you’d like to ask just use the online form. I’m happy to help you totally for free.Chase Bank Let Me Open a Credit Card. I Have Not Paid in 4 Years. Now I'm Getting Sued. - Lawrence by Steve Rhode