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Divorced, Single Mom, and Being Sued by Chase. What Should I Do? – Ellen

I divorced about 5 years ago and moved with my work. I am a single mom. I lost my job 2 years ago, used up all my savings. I also accumulated a lot of credit card debt. I work and make just enough to pay the basics.

I am being sued by Chase and know I need to answer in 20 days. I would like to ask for an extension to find a good bankruptcy attorney. How do I do this?


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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.


  • Yes- Good advice Damon. For example, in Florida you cannot have your wages garnished if you are the “head of household”- which you are. Generally, no garnishment for self employed! There are statute of limitations as well depending on the State you reside. Consult an attorney.

  • Hello Ellen, the best thing to do first is meet with a local BK attorney. They will typically be able to tell you exactly what you need to do to extend the time to answer the summons or if you retain them quickly enough, will be able to handle it for you.

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