Yeah I know it is wrong to call anyone a scumbag, but I was referring to the Lawyer that believes I can come up with $2591 in less than two weeks. I made a lot of mistakes in college putting myself in debt, because I wasn't informed of my options to help pay for things. I am willing to work with Citibank and will even be willing to re-age my account if they are willing and start making payments to them again.

Right now I just feel that my debt arbitration firm didn't advise me very well in that I shouldn't have included Citibank with them knowing this would probably be the outcome. I asked them if they ever inform any clients that debt settlement is not the way to handle Citibank and they said no. The response basically said that they know Citibank will sue 80% of the time but they are willing to take that risk because the more balances I have with them the higher their fees are. After hearing that response, I told them I will want the 11% they charged me, roughly $300 for this account back if I have to go the route of re-aging my account and taking the hit of the extra $700-800 that have been added since I started their program 5-6 months ago.

It sounds like they agree to refunding my fees, which IMO still won't be enough considering they could of advised me to just keep paying minimums on my account and then worry about it after I took care of the my other accounts. That option would of been very feasible because the amount I would have to save each month and their fees is about $40 a month for this account and the minimum payment would of stayed less than $70. I could of found a way to come up with the extra and kept this account current while handling all others.

Right now my representation is telling me that going back to Citibank is the worse idea she has heard. On this board it seems like the advice everyone is giving. Is she wrong for saying it is? Anyone have any personal experience going back to the OC instead of speaking with the collector?