How to Stop Calls From 210-520-0146 (Chase Card Services)

Your phone rings again. You see 210-520-0146 on the screen. You feel frustrated and annoyed. This number has already called you four times today, and it’s not even noon yet.

You’re not alone in this experience. Thousands of consumers receive repeated calls from this number every single day.

The number 210-520-0146 belongs to Chase Card Services. Chase Card Services is the debt collection department for JPMorgan Chase & Co. They collect on credit card debts and personal loans.

If you’re getting these calls, you likely have an outstanding debt with Chase Bank. When you default on a payment, Chase hands your account to their collection department. They then use various tactics to make you pay.

Here’s the good news: they cannot legally call you endlessly. You have rights. You can stop these harassing calls.

Know Your Rights Before Answering the Call

The Fair Debt Collection Practices Act protects you from abusive collection tactics. You need to understand these protections before engaging with Chase Card Services.

Debt collectors cannot legally do the following:

• Call you multiple times per day for the same debt
• Leave endless voicemails or emails about the debt
• Threaten you with lawsuits they don’t intend to file
• Use profanity or aggressive behavior to intimidate you
• Ignore your debt validation requests
• Call you before 8 AM or after 9 PM
• Contact you at work after you’ve told them not to

Understanding these rights puts you in control. You can answer the call with confidence. You can assert your legal protections.

Five Steps to Stop Chase Card Services Calls

You have several options to end the constant calling. Choose the approach that fits your situation best.

1. Request Email Communication Only

Answer the call and clearly state your preference. Tell them to stop calling and use email instead. Make sure you document this request. Write down the date, time, and name of the representative.

2. Send a Cease and Desist Letter

If phone calls continue, escalate your response. Send a formal Cease and Desist letter via certified mail. Once they receive it, they can only contact you to confirm receipt or notify you of specific legal actions.

3. Request Debt Validation

You have the right to verify any debt. Send a Debt Validation Letter within 30 days of first contact. The collector must provide proof that you owe the debt. They cannot continue collection activities until they provide this verification.

4. Dispute Incorrect Debts

Sometimes collectors contact the wrong person. If you don’t owe this debt, dispute it immediately. Contact all three credit bureaus: Equifax, Experian, and TransUnion. They must investigate within 30 days. If Chase cannot verify the debt, it gets removed from your credit report.

5. Settle the Debt

Resolving the underlying debt stops calls permanently. Our partner Solo helps you negotiate a settlement for less than you owe. You propose an amount you can afford. Chase may counter with a different number. You negotiate until reaching an agreement.

Do You Actually Owe This Debt?

Not every debt in collections is valid. Mistakes happen frequently in the debt collection industry.

If this debt isn’t yours, you don’t have to pay it. Send dispute letters to the three credit bureaus immediately. Explain that the debt was incorrectly added to your credit report. The bureaus will investigate by contacting Chase Card Services directly. Chase must provide documentation proving the debt belongs to you.

The entire investigation process takes about 30 days. If Chase cannot prove you owe the debt, it gets removed. The calls will stop.

However, if you do have a legitimate debt with JPMorgan Chase & Co., you need to address it. Ignoring valid debt creates serious consequences.

What Happens If You Ignore a Valid Debt

Chase Card Services has legal options when you don’t pay. They can file a lawsuit against you in court. If they win the case, the consequences become severe.

A court judgment gives Chase powerful collection tools:

• Bank account levies that freeze and drain your accounts
• Wage garnishment that takes money from every paycheck
• Property liens that prevent you from selling assets
• Damaged credit that affects you for seven years

Facing a lawsuit doesn’t mean you’ve lost. You can still respond and defend yourself. Our partner Solo helps you create a proper Answer to the court summons. Responding correctly improves your chances of a favorable outcome.

The Best Way to Stop Collection Calls Forever

Settling your debt permanently ends collection calls. You have two main options: pay in full or negotiate a settlement.

Paying in Full

Paying the complete balance helps your credit score the most. Chase reports the account as “paid in full” to credit bureaus. Your score takes the smallest possible hit. You avoid all further collection activities immediately.

Settling for Less

Most people can’t afford to pay the full amount. Settling for less than you owe becomes the practical solution. You propose a lump sum payment at a reduced amount. Chase may accept 40-60% of the original debt.

Settlement does impact your credit score. The account shows as “settled” rather than “paid in full.” However, this damage is less severe than leaving the debt unpaid. A settled account is always better than an ongoing collection account.

How the Settlement Process Works

You start by making a realistic offer. Calculate what you can actually afford to pay. Make your initial offer lower than this amount. Debt collectors expect negotiation. They’ll likely counter with a higher number.

Chase Card Services will investigate your financial situation. They want to verify you truly cannot pay the full amount. They’ll likely ask for financial documentation. Be prepared to show bank statements or pay stubs.

Once you reach an agreement, get everything in writing. Never pay until you have a written settlement letter. The letter must state the settlement amount and confirm that payment satisfies the entire debt.

Our partner Solo handles these negotiations for you. They manage all communication with Chase Card Services. They work to get you the lowest possible settlement amount.

Protect Yourself During Collection Calls

If you choose to speak with Chase Card Services, protect yourself. Follow these guidelines during every conversation.

Document Everything

Keep detailed records of all communications. Write down dates, times, and representative names. Summarize what was discussed. Save all voicemails and emails. These records become evidence if you need to file a complaint.

Never Share Bank Information

Don’t provide bank account or debit card details over the phone. Collectors can use this information to withdraw money without your permission. Only make payments through secure, documented methods.

Don’t Admit to Owing Money

Avoid saying “I owe this debt” during initial calls. Confirming the debt can restart the statute of limitations. Ask them to verify the debt in writing first. Make them prove you owe the money.

Record the Conversation

If your state allows one-party consent, record collection calls. Tell the collector you’re recording at the start. Recordings provide clear evidence of any illegal collection tactics.

When to Get Professional Help

Some situations require professional assistance. Consider getting help if:

• Chase Card Services has filed a lawsuit against you
• You’re facing wage garnishment or bank levies
• The debt amount exceeds $5,000
• You have multiple debts in collection
• Collectors violate your FDCPA rights repeatedly

Professional negotiators understand collection tactics. They know how to leverage your legal rights. They can often secure better settlement terms than you could get alone.

Alternative Solutions for Chase Debt

Settlement isn’t your only option. Consider these alternatives based on your financial situation.

Payment Plans

Chase may accept a payment plan instead of a lump sum. You’d pay the full amount over several months. Payment plans don’t damage your credit as much as settlement. However, you’ll pay more total money over time.

Debt Management Programs

Credit counseling agencies can negotiate with Chase on your behalf. They set up a debt management plan with lower interest rates. You make one monthly payment to the agency. They distribute money to your creditors. These programs typically take 3-5 years to complete.

Bankruptcy

Severe financial hardship may warrant bankruptcy consideration. Chapter 7 bankruptcy can discharge unsecured debts like credit cards. Chapter 13 creates a court-supervised repayment plan. Bankruptcy severely impacts your credit but provides a genuine fresh start.

Bankruptcy should be your last resort. Explore all other options first. Consult with a bankruptcy attorney to understand if you qualify.