Got served this morning!!

[GoingDown]

Chase and discover card is the worst I think. After my father died they called me for 2 years wanting to know how mush was in the estate. I told them -2400.00. I sent them 4 copies of the death certificate. They did sue ME / him they only stopped when I took the death certificate to the court and handed it to the judge.

Did they sue YOU for your deceased father's debt?

One of my relatives recently passed away and he had a rather large Chase VISA bill.

They haven't called me yet, but other relatives have received very nasty and threatening phone calls from their probate department.

I know even if they did sue me or another relative for his debt that they couldn't win in court, but it's the hassle of it all that I don't like. I don't want to be bothered with going to court over a debt that was never mine.

P.S.-- for those wondering what makes a creditor more aggressive or more likely to sue, from my experience and from other people I know, if a creditor can call you at work (in other words they know you have a job and wages to garnish) they are far more likely to sue. Garnishment of wages is their primary method of getting a judgment paid. They know the debtor will be running scared and do almost anything to pay off the debt to stop the garnishment and keep their boss from getting mad at them. So look for employers who don't check your credit or consider self-employment or temporary jobs to make yourself as judgment proof as possible. In most cases from my experience, this makes them less likely to file a lawsuit against you because they know you're going to be difficult to collect. I also tell them on the phone and in writing that I am judgment proof, and that seems to help, too.

[BigJohn]

One of my credit reports claims I was born in 1932. How they came up with that year is hard for me to comprehend. I wonder if appearing to be old will help? If they think I am 76 years old, they might think I only live on Social Security.