Question about Chase

[FLBroke]

I owe Chase about 10k. I stopped paying in June. I answered the phone today for the first time. The lady was very nice, and said that they see that I never missed a payment before that, and that they understand and want to work something out. They offered either a settlement or a payment plan. She also said they had filed a complaint back in November, and that she doesn't know why I wasn't served yet. She said that is probably because sheriff is backlogged and they haven't gotten to me yet. Then she said that when I do get served that I can call them and make some arrangements to stop the lawsuit. I am planning on filing bankruptcy in february or march after tax refund. What do I do if I get served? They want $195 to stop it. Do I pay that to stop the lawsuit or what? Confused.

[catleg]

You said in another thread that you husband got a new job.
You should carefully map out your incomes month by month over the past six months and into the future to figure the lowest 6 month period to file.
You did what many people wanted to do, let their old house go into foreclosure and buy a new one. Not on purpose, but it works out that way.
As for Chase, I wouldn't pay them a nickel until they had a judgment against me. However you might investigate whether a lawsuit was served against you at the other house. Is it in the same county? You may want to call or visit the court clerk.

[FLBroke]

I am checking on clerk of court daily. In my county you can do it online. They have not yet issued a summons. I doubt they will go to the other house, they all know where I live. But I will continue to check.
I know what you are saying about the house. It was not on purpose, and looking back I made a huge mistake letting my ex stay there. It kind of worked out with me buying a new house, because I got a great deal on it and my mortgage (with taxes and insurance) is lower then rent for a 2 bedroom apartment anywhere. So I really would like to stay here, it just makes sense. I never imagined I would find myself in this situation. It's amazing how you can go from one end of the spectrum to the other in such a short period of time.

[Faust]

It's amazing how you can go from one end of the spectrum to the other in such a short period of time.

Boy do I hear you on that one!