I received a summons from JP Morgan Chase regarding a small business loan that has become delinquent. This loan started as a line of credit and then converted over to a pay back loan which raised my payments to over 3 times what I was required to pay each month. I called Chase to see if they could help me. Each time I was told to wait to hear back. So I didn't make any payments. Now I am told it's too late to do anything and because it was a government loan to begin with, they cannot honor my request for a specific payment amount each month. Now I've received this summons. To make this legal issue go away I'd rather struggle to pay this loan. How do I answer the summons? I have 20 days. Do I need to have an attorney do this or can I do it myself? Chase indicated the Loan Recovery department would be contacting me. I don't want to wait to hear from them. I want to get going on this. What is the best way to handle this?

Contact Chase and offer settlement terms.

Who do I contact at Chase, the Loan Recovery Department? Also, I still need to answer the summons, as it indicates I have 20 days to do so, correct? Is that where I indicate my settlement terms? Would you advise me answering the summons myself by getting the form from my local county office or would you recommend having an attorney do this?