February 04, 2021
Summary: Is Chase Bank coming after you for an old debt? Learn how to fight a debt collection lawsuit from Chase. Use SoloSuit to respond fast and win in court.
Although many credit card companies and banks choose to sell their accounts to a debt collection agency, Chase Bank is known for the opposite. Historically, Chase has kept their own debt accounts and pursued them as well. They often go through the process of filing collection lawsuits.
To prove their case, Chase Bank typically relies on witness testimony. This often comes in the form of a “business record affidavit.” If you have recently been served by Chase, then you must understand the rules of evidence when fighting these claims.
When being sued for credit card debt by Chase Bank, the first step is to automatically respond to the summons. If you do not respond within the specified amount of time, you run the risk of a default judgment.
When a default judgment occurs you will be forced to pay the debt in full. Default judgments are very common because most consumers do not respond. If you respond to the lawsuit, then you have a better chance of fighting or settling the debt for less than the original amount.
If you respond with a strong case, then you have the opportunity of having your case dismissed or agreed upon to a settlement. This depends on your situation. But there are a few main claims you can make to help sway the judge in your favor.
Reliable defenses to a debt collection lawsuit might include:
If Chase pursues you and a judgment is placed against you, then a few major consequences may occur.
If you're fighting a lawsuit against Chase bank, your last chance after trying for defense is to file a counterclaim. You essentially sue the creditor after they have already sued you. Counterclaims might include showing that the creditor or collection agency did something illegal when trying to collect the bill. Or perhaps they charged you illegal fees. If you end up going to trial, you will be forced to prove your counterclaim.
Since Chase collects many of their debts themselves, they can be challenging to beat in court. It's important to know your rights. It's the best way to win your case. Follow the steps in this article, and you might get Chase to drop the lawsuit or win a counterclaim that will cancel out your debt.
SoloSuit makes it easy to respond to a debt collection lawsuit.
How it works: SoloSuit is a step-by-step web-app that asks you all the necessary questions to complete your answer. Upon completion, you can either print the completed forms and mail in the hard copies to the courts or you can pay SoloSuit to file it for you and to have an attorney review the document.
"First time getting sued by a debt collector and I was searching all over YouTube and ran across SoloSuit, so I decided to buy their services with their attorney reviewed documentation which cost extra but it was well worth it! SoloSuit sent the documentation to the parties and to the court which saved me time from having to go to court and in a few weeks the case got dismissed!" – James
Here's a list of guides for other states.
Being sued by a different debt collector? We're making guides on how to beat each one.
Need more info on statutes of limitations? Read our 50-state guide.
Need help managing your finances? Check out these resources.