Sued by Chase bank but I'm judgement proof

by LeeAnn
(Wetumpka, AL, US)

My father was in a car accident 3 years ago which left him blind/disabled and unable to work. He lost everything and now lives on SS and a small pension, and he has no assets. The wreck happened in July of 2007 and we started sending letters to his creditors notifying them of the circumstances and the fact the he was judgment proof.

Almost all of his creditors wrote off the debt except Chase Bank. They have hired different lawyers over the years which we have corresponded with and told them what was going on, they would say they would talk to Chase. Then I wouldn't hear anything for months to a year. Then it would start again with new attorneys.

The SOL ran out in July of this year, and we did not receive a summons until September. I responded telling the court (we live in Alabama) what I have told the attorneys over the years, that he was disabled and living off SS and has been unable to pay his debts. The 1st week in November we received the Ala-file notice of his court date, but the name had been changed. The Summons had the correct name William, and now all the info says Willie?? How can they change the info and why would they change it to the wrong name? I asked them about the SOL and they claimed they filed it in May (there is not file date on the summons).

They also informed me that they were still waiting on Chase to discuss the matter of him being judgment proof. Do I have any angles in my favor? we can't afford an attorney and I'm doing all the research myself.