Thanks for the info Woofer. I am new at this and my knowledge is to the extent of what I have learned here in the past day and a half on here.

I currently live in MO and the account was opened in IL probably 6-7 years ago while I was in school. Not sure what DOLA is. What do you mean by what do I have and how can it be attached?

At what point do I need to request validation if I want to fight a lawsuit? I have received a letter from the law firm saying I have 30 days to dispute this debt. It is dated less than a week ago.

Currently I am sitting on hold waiting for Citibank's legal department to answer. I called back after I got the run around from the first rep saying he would have a manager call me in 2 days and the second person I talked to was much more helpful and told me that someone in their internal legal department may be able to help me.