Start My Answer
loading...

Does Chase Sue for Credit Card Debt?

Chloe Meltzer | December 06, 2023

Chloe-Meltzer
Legal Expert
Chloe Meltzer, MA

Chloe Meltzer is an experienced content writer specializing in legal content creation. She holds a degree in English Literature from Arizona State University, complemented by a Master’s in Marketing from California Polytechnic State University-San Luis Obispo.

Edited by Hannah Locklear

Hannah Locklear
Editor at SoloSuit
Hannah Locklear, BA

Hannah Locklear is SoloSuit’s Marketing and Impact Manager. With an educational background in Linguistics, Spanish, and International Development from Brigham Young University, Hannah has also worked as a legal support specialist for several years.

Summary: Chase is notorious for suing its customers when they fall behind on their payments. Not only is it very common for Chase to sue for credit card debt, but the way they go about it is pretty questionable. You can fight back by responding to the lawsuit with SoloSuit.

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 debt collection typically relies on witness testimony. This often comes in the form of a “business record affidavit.” If you have recently been served by Chase, understanding how the company and its collection department works will give you a better chance of beating them in court.

Let’s get right to it.

What is Chase Bank?

Chase Bank is an American financial institution that provides a variety of financial services, including personal banking, credit cards, mortgages, auto financing, investment advice, small business loans and payment processing.

Chase is the U.S. consumer and commercial banking business of JPMorgan Chase & Co. (NYSE: JPM), a leading global financial services firm with $2.6 trillion in assets and operations worldwide. So, if you’re being sued by Chase for credit card debt, you’ll most likely receive a Summons and Complaint in the mail from JPMorgan Chase.

If you need to contact Chase, here is the company’s contact information:

JPMorgan Chase Headquarters
270 Park Avenue, New York, NY.
Chase Card Customer Service: 1-800-432-3117
Chase General Customer Service: 1-800-935-9935

Does Chase Bank sue for credit card debt?

JPMorgan Chase is notorious for suing its customers when they fall behind on their payments. Not only is it very common for Chase to sue for credit card debt, but the way they go about it is pretty questionable.

For example, JPMorgan Chase was recently sued by the state of California for robo-signing contracts on behalf of consumers, making systematic errors on calculating amounts owed, and failing to properly serve consumers court documents when suing. For this reason, Chase doesn’t have great reviews and has received many complaints from consumers, like you.

JPMorgan Chase has a bad reputation

If you feel like you’ve been treated unfairly by Chase, you’re not alone.

As of 2022, the Better Business Bureau has received nearly 4,200 complaints against JPMorgan Chase in a short, three-year period. Even worse, the Consumer Financial Protection Bureau reported almost 29,000 complaints against JPMorgan Chase in the past ten years.

The number one issue reported by consumers is fraudulent charges to their accounts and Chase failing to provide assistance upon request.

Let’s take a look at an example.

Example: Bobby is being sued by Chase for a credit card debt. He never receives the court documents, and he finds out he has lost the case by default. Bobby does some research and finds out that Chase is often guilty of sewer service, or failing to serve people with court documents and filing a false certification of service with the court. Bobby suspects this has happened to him, so he reaches out to SoloSuit and files a Motion to Dismiss Default Judgment along with an Answer where he uses improper service as one of his affirmative defenses. SoloSuit helps him file the documents, and the judgment against Bobby gets canceled, giving him another chance to fight back against the Chase credit card lawsuit.


What to do when you’re sued by Chase Bank collections

When you get sued by JPMorgan Chase, you should receive a court Summons and Complaint in the mail. However, it’s not always guaranteed, as Chase is known for not sending the court documents and then filing false affidavits, claiming the notices were properly served.

If you do receive the court documents, the first step to beating Chase in court is to respond to the Summons and Complaint with a written Answer. If you do not respond within your state’s deadline, you run the risk of a default judgment.

Respond to a debt lawsuit in minutes with SoloSuit.

Avoid a Default Judgment

When a default judgment occurs you will be forced to pay the debt in full. With a default judgment, Chase can garnish your wages and seize your property in order to collect the money you supposedly owe.

Default judgments are very common because most consumers do not respond to Chase credit card lawsuits, usually because they just don’t know how. If you respond to the lawsuit, then you have a better chance of fighting back or settling the debt for less than the original amount.

Aim for a dismissal with a strong defense

If you respond with a strong case, then you have the opportunity of having your case dismissed altogether. 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:

  • Proof that you do not owe the money and you are a victim of identity theft.
  • You were not 18 years old when you acquired the debt.
  • The statute of limitations has been reached.
  • You have filed for bankruptcy.
  • The bill has already been paid.
  • The creditor is trying to collect more than you legally owe.
  • The creditor cannot show proof of the debt.
  • You were unfairly tricked into agreeing to the debt.

Make the right defense the right way with SoloSuit.

Reach a Chase credit card debt settlement

If you know that you owe the credit card debt to Chase, you can always try to negotiate a debt settlement with Chase. Explain your financial situation and the highest amount you are able to pay under your circumstances. There is a chance Chase will accept your offer.

SoloSettle makes it easy to begin the settlement negotiation process. Reaching a settlement will help you avoid wage garnishment and get Chase debt collectors off your back. You might even be able to save some money and settle the debt for less than the original amount you owe.

Settle with SoloSettle

Make an Offer

File a counterclaim in court against Chase Bank

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

What happens after a judgment?

If Chase pursues you and a judgment is placed against you, then a few major consequences may occur.

  • Freezing of assets: When this occurs your bank account is frozen. It can then be essentially emptied by judgment creditors until they receive their money back for your debt.
  • Wage garnishment: Creditors can take a percentage of each paycheck you receive to pay back the debt you owe.
  • Judgment lien: If you own a home, then a judgment can put a cloud on the title of your property. You could lose your home by having it sold at an auction to satisfy your debt.
  • Negative impact on your credit report: The judgment will be published in your credit report for up to seven years on the public record. This can decrease your credit score and make it difficult to obtain loans, and rent a property.

Protect your assets by responding to Chase with SoloSuit.

This is why it’s so important to at least respond to a Chase Bank lawsuit. If you don’t, you automatically give Chase the victory. You can actually increase your chances of winning by 7x when you respond to your debt collection lawsuit with SoloSuit.

Follow these steps to Answer a Chase credit card lawsuit

In a Chase credit card lawsuit, Chase is called the plaintiff, and you are the defendant. Once the lawsuit is filed and put before the court, you will not be able to respond by phone or a letter. Instead, you need to file a written, legal Answer. Here are 6 tips for drafting an Answer that will help you win your case:

  1. You don't need to give a detailed answer: The Answer is a brief document. It isn't the place to tell your life story or give your entire defense. Be as straight to the point as you can be.
  2. Never admit debt liability: The complaints document comes with numbered paragraphs. Respond to every paragraph. You have three options: deny, admit, or deny for lack of knowledge. As a rule of thumb, lawyers advise you to deny, deny, deny. Let the plaintiff prove your responsibility for the debt.
  3. Include your affirmative defenses: These are reasons why you think the plaintiff is wrong to sue you. Assert your affirmative defenses for each paragraph. You don't make these up; there are options. For example, you don't owe the debt, you already paid part of it, the statute of limitations has expired, or you need the plaintiff to provide proof.
  4. Use standard formatting or "style: Court documents need to be formatted in a certain way. For instance, an answer will include the defendant's (your) name, physical and email address, name of the court, the identity of the plaintiff, case title, and case serial number. The spacing and page format should also follow an acceptable style for the answer to be considered professional. If you're having trouble, you can use SoloSuit's template.
  5. Include the certificate of service: A brief document containing the name of the court, the name of the plaintiff, and the date you're sending it. If the plaintiff has an attorney, you should serve the attorney and not the company.
  6. Make sure you sign the document: The document is null and void if you don't sign it. A signature means that you accept the document as true, or you have reason to believe that everything you filled in is accurate. You may print and sign manually or sign it electronically before you mail the letter.

SoloSuit can help you draft and file your Answer in all 50 states.

Once you've completed these steps, make sure to file the official Answer with the clerk of court and send a copy to the plaintiff. You should make two copies of the answer, one to mail to the court and the other to the creditor suing you. Use certified mail so that you are notified when both parties receive their mail. For more information, watch this video.

What is Solo?

Solo makes it easy to resolve debt with debt collectors.

You can use SoloSuit to respond to a debt lawsuit, to send letters to collectors, and even to settle a debt. SoloSuit's Answer service is a step-by-step web-app that asks you all the necessary questions to complete your Answer. Upon completion, we'll have an attorney review your document and we'll file it for you.

SoloSettle can help you contact your debt collector or creditor and negotiate the debt to settle for less, all online. It simplifies and streamlines the process to settling your debt.

No matter where you find yourself in the debt collection process, Solo is here to help you resolve your debt.

Respond with SoloSuit

"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

Get Started

We have answers.
Join our community of over 40,000 people.

You can ask your questions on the SoloSuit forum and the community will help you out. Whether you need help now or are just looking for support, we're here for you.

Ask a Question.

>>Read the FastCompany article: Debt Lawsuits Are Complicated: This Website Makes Them Simpler To Navigate

>>Read the NPR story on SoloSuit. (We can help you in all 50 states.)

How to Answer a Summons for debt collection in all 50 states

Here's a list of guides on how to respond to a debt collection lawsuit in each state:

The Ultimate 50 State Guide

Guides on how to resolve debt with every debt collector

Are you being sued by a debt collector? We’re making guides on how to resolve debt with each one.

Resolve your debt with your creditor

Some creditors, banks, and lenders have an internal collections department. If they come after you for a debt, Solosuit can still help you respond and resolve the debt. Here’s a list of guides on how to resolve debt with different creditors.

Settle your medical debt

Having a health challenge is stressful, but dealing medical debt on top of it is overwhelming. Here are some resources on how to manage medical debt.

Guides on arbitration

If the thought of going to court stresses you out, you’re not alone. Many Americans who are sued for credit card debt utilize a Motion to Compel Arbitration to push their case out of court and into arbitration.

Below are some resources on how to use an arbitration clause to your advantage and win a debt lawsuit.

Stop calls from debt collectors

Do you keep getting calls from an unknown number, only to realize that it’s a debt collector on the other line? If you’ve been called by any of the following numbers, chances are you have collectors coming after you, and we’ll tell you how to stop them.

Federal debt collection laws can protect you

Knowing your rights makes it easier to stand up for your rights. Below, we’ve compiled all our articles on federal debt collection laws that protect you from unfair practices.

Get debt relief in your state

We’ve created a specialized guide on how to find debt relief in all 50 states, complete with steps to take to find relief, state-specific resources, and more.

Debt collection laws in all 50 states

Debt collection laws vary by state, so we have compiled a guide to each state’s debt collection laws to make it easier for you to stand up for your rights—no matter where you live.

Statute of limitations on debt state guides

Like all debt collection laws, the statute of limitations on debt varies by state. So, we wrote a guide on each state’s statutes. Check it out below.

Statute of Limitations on Debt Collection by State (Best Guide)

Check the status of your court case

Don’t have time to go to your local courthouse to check the status of your case? We’ve created a guide on how to check the status of your case in every state, complete with online search tools and court directories.

How to stop wage garnishment in your state

Forgot to respond to your debt lawsuit? The judge may have ordered a default judgment against you, and with a default judgment, debt collectors can garnish your wages. Here are our guides on how to stop wage garnishment in all 50 states.

Other wage garnishment resources

How to settle a debt in your state

Debt settlement is one of the most effective ways to resolve a debt and save money. We’ve created a guide on how to settle your debt in all 50 states. Find out how to settle in your state with a simple click and explore other debt settlement resources below.

How to settle with every debt collector

Not sure how to negotiate a debt settlement with a debt collector? We are creating guides to help you know how to start the settlement conversation and increase your chances of coming to an agreement with every debt collector.

Other debt settlement resources

Personal loan and debt relief reviews

We give a factual review of the following debt consolidation, debt settlement, and loan organizations and companies to help you make an informed decision before you take on a debt.

How to repair and improve your credit score

Debt has a big impact on your credit. Below is a list of guides on how to repair and improve your credit, even while managing major debt.

How to resolve student loan debt

Struggling with student debt? SoloSuit’s got you covered. Below are resources on handling student loan debt.

Civil law legal definitions

You can represent yourself in court. Save yourself the time and cost of finding an attorney, and use the following resources to understand legal definitions better and how they may apply to your case.

Get answers to these FAQs on debt collection

How-to debt guides

Learn more with these additional debt resources



Contents