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Originally Posted by cncsiu
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.
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I answered you as I have dealt with CITI and came out a winner : ) There are many people here that have much more knowledge than I.
I am just speaking from MY experience.
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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.
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Date of last activity.
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What do you mean by what do I have and how can it be attached?
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If you get a judgement against you they could possibly attach your paycheck, bank accounts, car, home.
However just because you are sued does not mean you will get a judgement against you, and sometimes debts go over SOL so you have an affirmative defense and this does happen quite often. What is SOL where you are?
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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.
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Ok it would be good if we can see this. White out any personal info and let us see what it reads.
You have 30 days and you would send off the letter CRRR, and keep records of everything.
Who is dunning you for Citi?
What about your other debts? What do you have right now and what contact have you had?
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Currently I am sitting on hold waiting for Citibank's legal department to answer.
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They won't and if they do you will get nowhere fast with them.
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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.
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I wouldn't bother, but that is me.
I'd rather WAIT and get the CA or JDB on something.
HAHHAHA
Woofer