“Dear Steve,
Steve, i recieved a summons in regards to Chase bank: I contacted the law offfice that sent it to me and made arrangements to make payments on the debt owed, they are asking me for bills and checks stubs and bank information do i have to disclose that information to them? Also do i still reply to the court in regards to the summons since i made payment arrangements??
Thanks
Candy”
Dear Candy,
I am not a lawyer. I don’t even play one on television.
For specific legal advice you need to consult with an attorney that is licensed in your state.
What I can do is take a guess that what you have is a summons to appear in court and a second document to produce specific information. While there may be ways to temporarily delay that request, I bet you are going to be ordered to deliver it at some point as this moves forward.
It may not be too late to negotiate a settlement of that debt if you have cash on hand. Depending on your bigger situation you may want to consider meeting with a local bankruptcy attorney and see if bankruptcy is right for you. You can click here to find a local bankruptcy attorney.
A consumer bankruptcy may be appropriate if you are unable to reach a settlement agreement with the creditor and you want to stop the suit and avoid a judgment or possible wage garnishments.
Time is of the essence here so consult with a bankruptcy attorney or meet with a local attorney quickly to decide how to best respond.
Please post your responses and follow-up messages to me on this in the comments section below.
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Be careful Candy because once the court is involved deadlines become serious. You don’t want to miss a deadline to answer, for instance, and lose the case or miss a deadline to respond to discovery and be sanctioned by the court. This is a situation where you should consult with an attorney in your state so you know what you’re looking at.
Bankruptcy attorneys generally do free consultations, but know that they generally advise filing bankruptcy. A litigation attorney will generally change an hour of time and in this case that’s money well spent to have the process and your place in it clearly explained.
Best of luck!
Hi Candy,
I am curious if you are being sued by Chase directly, or by a debt buyer who buys up charged off and old unpaid credit card debts for a fraction of the balance and then collects on them.
If you don’t mind, can you answer the following questions:
When did you last make a payment on the debt?
Who is the attorney firm?
Does the summons list another entity in the caption?
What state do you live in?
Providing information to a debt collector, even an attorney, when you are seeking to resolve the account in a manner that meets your interests, can be a good, or bad move.
If you can answer the questions above, I may have some useful feedback for you.
So sorry about your situation. Similar thing happened to me and now they have a Lein on my house so by all means respond within the timeframe they gave you! You might be able to find some free legal aide to help you, look in the phone book or search online for “legal aide”. Good luck, hope it works out for you!
sounds like you got a summons and interogatories. those are both documents filed with the court, and would be used by the court to garnish your wages or sieze assets in your bank accounts, if you lost the suit against chase.
if you have made payment arrangments already, then in all liklihood they will be dropping their suit, but until they actually do you must submit your response to the court by the deadlines specified.
the court willl likely have a pro se clerk, who can help you out with this. they cannot give you legal advice, just help make sure you filled in the forms correctly.
remember it is essential that you always file your responses and answers to interogatories by the deadline, or you will lose by default.