Expert: Creditwrench - 5/29/2008

Question
Chase Credit Card was added to my Husband's bankruptcy case, but they are now sending me bills and I have received a summons from their Attorney.  My husband had me listed as an Authorized User only since 1993.  I responded to the attorney when they first wrote and I asked for a "Validation" proof of the signature on credit card, of course they never sent anything.  I filed an answer with the Court for the summons within the 30 days.  I would like to know how can I get a copy of the signed credit Card Application that shows if I am Joint user or Authorized User? what other way can I prove that this is not my debt?  (This credit card was originally owned by First Card they merged with BankOne and then Chase took over.)  The other 2 cards had me listed as Authorized User Only, but I don't know why Chase changed it to Joint. (Can't afford an attorney)

Answer
You may need to use a statute of limitations defense. What state do you live in and when was the last payment made on the card?

Bill Bauer
405-684-9297
405-227-9423

The Creditwrench conference calls will start this coming Friday evening at 7 P.M. Central time. It is free and open to the public. There is no cost or obligation other than what it may cost you for the phone call itself. You can join in and ask questions or just listen or whatever you want to do.

Dial-in Number: (712) 432-1601
Access code: 508548#

You might also want to visit our message forum at http://consumers.creditwrench.com to get answers to questions you need answered before next Friday night.

If you live within driving distance of Oklahoma City you can also come to our monthly meeting of the Oklahoma City Chapter of Jurisdictionary meetings. They are held on the 2nd Thursday of each month at Coit's Root Beer Stand which is located on the corner of SW 24th & Western Ave in Oklahoma City. The meetings start promptly at 7:00 P.M. and last for 2 hours. Attendees usually arrive about half an hour early so they can enjoy a good meal at Coit's Root Beer Stand. The meetings are free and open to the public and we can discuss your problems as well if you like.

We are going to start holding mock trials so that you can learn some court room procedures.