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Are you bring sued by JP Morgan Chase Bank for Credit Card Debt?

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Sued by Chase Bank? Here’s What You Need to Know

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If you’ve been sued by Chase Bank, you’re not alone — Chase is one of the few major creditors that handles its own debt collection lawsuits rather than selling accounts to third-party debt buyers. They file thousands of cases each year to recover unpaid credit card balances.

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When Chase Bank takes legal action, they often rely on a “business record affidavit” to support their claims in court. These affidavits and account documents must meet strict rules of evidence — and many times, they don’t. With the right legal strategy, these weaknesses can be challenged to protect your rights.

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At New Path Law Firm, our attorney-led team defends consumers against lawsuits from major creditors like Chase. We’ll review your case, verify the debt, and develop a defense plan aimed at reducing or dismissing the claim — all for a flat, affordable fee.

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Don’t ignore a Chase Bank lawsuit. Doing nothing could lead to a default judgment, wage garnishment, or frozen bank accounts.

1 

Review the Lawsuit Carefully

When JP Morgan Chase Bank sues, the first step is to read all court documents thoroughly.
Look for:

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  • Your court date and response deadline (usually 14–30 days)

  • The case number and amount claimed

  • The law firm representing Capital One

 

Important: If you fail to respond on time, JP Morgan Chase Bank can obtain a default judgment, giving them the power to garnish your wages or freeze your bank account in many states.

2

Identify the Law Firm Suing You

Many people are surprised when they see a local law firm listed on the lawsuit instead of JP Morgan Chase Bank directly.


This doesn’t mean the debt was sold — it simply means JP Morgan Chase Bank has hired a collection law firm to pursue payment through the courts.


Knowing who’s representing them helps your attorney respond effectively and start negotiations if appropriate.

3

Understand the Nature of the Claim

Most JP Morgan Chase Bank lawsuits involve unpaid credit card accounts or personal loans.


The lawsuit (called a petition or complaint) should identify the debt, include part of your account number, and specify the total balance they claim you owe.


If anything seems unclear or inaccurate, do not assume it’s correct — even large banks make errors.

4

Check for Errors or Missing Proof

Just because you’re being sued doesn’t mean the debt is valid or correctly calculated.
JP Morgan Chase Bank and their attorneys must prove:

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  • They own the debt

  • The balance is accurate

  • The lawsuit is filed within the statute of limitations

5

File a Response (Do Not Ignore the Lawsuit)

It’s critical to file your legal answer with the court before the deadline. You must also send a copy to the opposing attorney to avoid a default judgment.

6

Consult a Debt Defense Attorney

This is where New Path Law Firm can make a real difference.


Our experienced attorneys focus exclusively on debt relief, debt defense, and creditor lawsuit representation.

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We can help you:

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  • Challenge inaccurate or unverified claims

  • Negotiate reduced settlements

  • Stop collection harassment

  • Protect your wages and bank accounts

7

Consider Settlement or Alternative Resolutions

Many JP Morgan Chase Bank lawsuits can be resolved without going to trial.
Our attorneys often negotiate reduced balances or interest-free repayment plans, ensuring fair and affordable outcomes for our clients.

Take Control of Your Situation Today.

Call us at: (800) 699-2341

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Why Choose New Path Law Firm

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✅ Stop creditor harassment and protect your wages
✅ Experienced attorneys — not a debt settlement company
✅ One flat fee, no matter how long your case takes
✅ We appear in court on your behalf
✅ Trusted by thousands of clients nationwide

Take Control of Your Situation Today.

Call us at: (800) 699-2341

TESTIMONIALS

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"Everything has been very well since my case was settled. Thank you very much."

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