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I’m Being Sued by Chase. What Should I Do? – David

“Dear Steve,

I am being sued for an outstanding credit card bill from Chase. The summon indicated that i have 30 days to respond. I want to make arrangement to pay this dept and avoid going to court.

Should i contact the plaintiff directly to try and arrange payment and ask them to drop the complaint? And do i also have to respond to the court as well?


Dear David,

You should contact whoever is suing you and attempt to work out an arrangement that is suitable to both parties to avoid going to court.

They may agree to something called a stipulated judgment. That means if you fail to make the payment arrangements as you might agree to they can skip suing you and go straight for a judgment against you and go for garnishing your wages if that is permitted in your state.

If you are unable to work out an arrangement before the date you must respond to the court, you must respond to the court as indicated.

There is no replacement for seeking advice from an attorney licensed in your state for specific legal advice.

Please update me on your progress by posting updates here in the comments section of your question. I’m very interested in how this works out for you.

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About Steve Rhode

Steve Rhode
Steve Rhode is the Get Out of Debt Guy and has been helping good people with bad debt problems since 1994. You can learn more about Steve, here.
  • Wayne

    David, I was sent a summons through the court from HSBC. It stated I had 30 days to respond to the court. I called the attorney representing HSBC and to their credi they were nice to me. Of course, all I wanted to know was why they had not repsonded to three separate certified letters requesting a payment plan/solution. They said they only had the most receetn one. I assured them I had my receipts for all three as well as the letters. Anyway, they agreed to a settlement plan without going to court. If you don’t go to court, and they do, you will automatically lose. Call them and if they agree to something, follow up with a certified letter. I didn’t need to and the attorney told me not to worry about it but I responded to the court as well with copies/details of my interactions with HSBC. True to their word, after the debt was paid I received a document showing where the suit was dropped. Hope this helps. As Steve has so often said on this sight do everything in writing! And if you need it bankruptcy is not the end of the world. I found that out about 7 or 8 years ago. In fact, about a year after my bankruptcy things were much better for my wife and I. Good luck and God bless!

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