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Zwicker and Associates is Suing Us for Chase. We are 74 And Don’t Know What to Do. – Nilda

“Dear Steve,

My husband received summons to appear in court from Zwicker and Associates representing Chase Card. My husband is 74 and does not know what to do.

I’ve read a lot of questions and answers from your website. I know we have to respond to the summons with in 20 days. Do we have to send a discovery letter to the attorney representing Zwicker with a copy to the court? Please Help!!

Nilda”

Dear Nilda,

I’m going to have t ask you a few questions first before I can get you headed the right direction.

1. How much is the debt?
2. Is this the only unsecured debt you owe?
3. Do you have any assets like cash, stock or equity in your house that a creditor can go after?
4. Are either of you employed or do you live off of Social Security or other retirement funds?
5. What state do you live in?
6. Have you filed bankruptcy in the past eight years?
7. Is this a debt you recognize and did run up?

Post your answers in the comments section below.

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About the author

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.

6 Comments

  • I hate to get in the way of your conversation with Steve, but the info he requested is very important… You left out:

    2. Is this the only unsecured debt you owe?
    3. Do you have any assets like cash, stock or equity in your house that a creditor can go after? (what cash or stocks do you have? where are they? meaning under your pillow or in a bank account?)
    4. Are either of you employed or do you live off of Social Security or other retirement funds? (are you only employed because of the debt? can you live off the retirement alone?)

    5. What state do you live in?
    6. Have you filed bankruptcy in the past eight years?
    7. Is this a debt you recognize and did run up?

  • Hi Steve,

    As I wrote to you before, my husband is being sued by Zwicker & Associates. We replied to the summons. He owed Chase for $5000.00 because of late charges and interest it bolloned to over $8000.00. What should we do? As for assets, our house is under water, he got some money on retirement account, he went back to work at 74 just to catch up with the bills.

  • Hi Steve,

    As I wrote to you before, my husband is being sued by Zwicker & Associates. We replied to the summons. He owed Chase for $5000.00 because of late charges and interest it bolloned to over $8000.00. What should we do? As for assets, our house is under water, he got some money on retirement account, he went back to work at 74 just to catch up with the bills.

    • I hate to get in the way of your conversation with Steve, but the info he requested is very important… You left out:

      2. Is this the only unsecured debt you owe?
      3. Do you have any assets like cash, stock or equity in your house that a creditor can go after? (what cash or stocks do you have? where are they? meaning under your pillow or in a bank account?)
      4. Are either of you employed or do you live off of Social Security or other retirement funds? (are you only employed because of the debt? can you live off the retirement alone?)

      5. What state do you live in?
      6. Have you filed bankruptcy in the past eight years?
      7. Is this a debt you recognize and did run up?

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