Help - Received a Summons this morning.

If you have received the summons, you must answer it and appear in the court. Then, you can talk to your creditors there and find an amicable settlement agreement.

call the court house. sometimes there is an option to speak to a mediator before it goes to trial. if that option is there, take it and see the mediator and you can speak with the creditor and possibly avoid trial.

You should be able to pay the debt before court. Call they lawyer representing Chase. They should be on the Summons. The amount they are seeking should also be listed. I'm assuming they'll want payment in full. I assume you'll still have to appear in court but the lawyers for Chase will tell the Judge the matter has been settled. Just make sure that you keep detailed records of whom you speak to and of whatever payments you make before going to court and bring them with you to court.

You say its a Chase credit card debt but you do not say who filed suit. If it is anyone other than Chase then it is a 3rd party debt buyer in which case you should not agree to or sign anything because until you are shown proof that they are the legal owners of the debt you could end up paying the wrong party. Sometimes these debts get sold to more than one buyer. It's happened where someone paid their debt only to be sued by another party alleging they owned the debt.

Even if it is a legitimate debt you need to find out more, how old is the debt, it could be outside the statute of limitations for collection. If you are then you could restart the limitation period by acknowledging or agreeing or paying anything.

You need more info but you definitely need to go to court. I would deny everything and let them show their hand, there's not much to be gained by voluntarily giving them what they seek.

Anyway, who is the plaintiff. They need the Agreement, charge slips, someone with personal knowledge of the debt and so forth to be able to collect.