How to respond to a Credit Card Summons and how to deal with them
About two weeks ago, I got a summons saying I am being sued by my credit card company, chase to be exact. Can someone please help in in how to go about in answering a summons? I have 30 days and it must be in legal form. I don't know what form to use. Also, chase had been calling me telling me that they can still workout a plan with me. I am already a member of "Achieve Financial Security" where I make payment to them and they will negotiate an amount for me to pay the credit card company. They had made offers but the offer that was given back to us were too high for me. I simply could not make the payment. I am not denying them payment. I just need them to allow me to pay small amounts now. I mean, I know I'm not the only one having hardship these days. If I wanted to not pay the credit card companies, I would file for bankruptcy right now but I don't want to do that. I know I can get through this but I just need time. Can someone please help me. I just need to know what I can do from this point on and how to handle this and if there's a 'legal' form out there I can use to answer the summons I received.
Thanks!