Chase added my wife who to the court summons. J Doe Last name, Spouses. Can they legally sue her when she never agreed to the terms in AZ? Is it too late to settle this debt? I thought this debt would just go away after 7 years. I lost it all, and I am starting over now. Times are still rough, but we are heading in the right direct. If I go and fight this in court is there a chance of winning, or something positive coming out of it? I am 100% blindsided and lost.