Look into the Soldiers and Sailors Relief Act as suggested above...

also, stay AWAY from the Consumer Credit Counseling Services...as a general rule, you're better off filing for Bankruptcy protection, since as far as credit reporting goes, it looks the SAME to potential and current creditors. The difference is that under CCCS, you have NO protection from collection agencies, lawsuits, original credit creditors, etc. Many times the creditors will accept the terms of CCCS, but then go back on the deal and sue you for the accrued interest that they think they owe (at 29% instead of the 6 percent or so that they agree to)


That being said, Chase tends to work well with consumers when the consumer is straight with them. If they do NOT work with you, speak with your CO or legal aid through your unit

Best of luck to you