I received a summons for a lawsuit that is being filed against me. The date the summons was served was 12/14/09 and I have 20 calendar days after the summons was served to file a writtne response. The lawsuit if filed on behalf of chase credit card. They have attached a statement due of 22,000.00+ plus $. Which include a miriad of late charges and fee's. I paid this cc comp regiously for years, at an extremely high rate, example my payment would be around 500.00 and interest was 450.00 or so. I repeadedly called them and asl for rate reduction to only hear sorry blah, blah, blah. So I stopped paying them no letter was received only harassing phone calls (from india) every time I asked for a reductions or a plan all I got was sorry maam.

Are you saying just because they would not work with you about lowering your rate that gives you the right to just stop paying them? It is your debt and you need to try and work out a payment plan. If they get a judgement against you then you will be messed up