Everyone's advice on here has been helpful. I feel much more comfortable with my situation than I did several days ago. Right now, I have until April 20th to dispute this debt. I have requested my representation to give me a new account manager and they have agreed after I have shown them the mishandling of this account. So right now I am waiting on new representation to check into my other accounts to see if they were handled like they were suppose to be.

I am worried because after speaking to Citi's legal dept, they told me it was turned over to a Lawyer for suit because I showed no intention to pay this debt or even negotiate. This is what my account rep was suppose to do and she failed at it. It worries me because I had a vm from a BoA rep saying they haven't had any contact in months and may pursue legal action.

So right now, I am waiting to see what my new representation can tell me about the status of my accounts. It really amazes me because I was suppose to save a minimum amount each month to use to settle accounts with and if I would of stuck by that minimum they told me I would only have $600 saved, but since I included my tax return, and saved more each month, I am close to $6000 minus the accounts I settled already and having these issues. Absolutely amazing. I almost think I might have a case against my representation for mishandling my accounts and putting me in these situations that could potentially cost me more than I originally started with.

Thanks for all the help so far to everyone that has helped. It is much appreciated.