Can anyone tell me, If I file Chap 7 and Citi files objection to have their Account not included in Chap 7 Would the whole Chap 7 go out the window if ruled in Citi's favor Can I still file on remaining Accounts?
It depends on the age, amount and the way the charges were incurred. If you took a max cash advance right before you file they might object. That's the most common reason. Even if that's the case you can still beat it by showing good cause.
Citi said that I took a loan from them in 2001 but when I ask them to send me any Paper work on this account they refuse, Said Sorry your 30days are up. The loan they are telling me was for $1,000 and now the balance is $1,657.43 The first number in this account starts with a 5, this does not look like a valid account. I'm wondering if they are trying to pull one, I do have other Citi accounts but I know what they are for and they start with a 4. Can they do this? Just make up a account and not prove it's mine.
They have to prove it if they want to collect. The 30 day thing is false. There is a FTC opinion letter here that states you can dispute anytime you want. I have a charge off with Citi for a lot more than you and it's 2 year old. A few months ago I requested validation. They said they needed more info and then sold the account. No mention of the 30 days. Visa accounts start with a 4 and Mastercard accounts start with a 5. Personal loans can be anything. I think if they protest at the BK hearing and can't validate the debt the judge won't be too happy with them. $1500 is not a lot of money in the world of BK either. It's not really worth their time.
1*Said Sorry your 30days are up. The loan they are telling me was for $1,000 and now the balance is $ 1,657.43 tonka 2*Can they do this? Just make up a account and not prove it's mine tonka ============== 1*Sue them for 1,657.43 and see if their 30 days are up. They can do what ever you let them do! ___________________ THE END ** *** ** LB 59 """""""""```~~~```'""""""""" SUV Drivers' Licenses http://member.compuserve.com/autos/package.jsp?name=autos/suv_license1
just so that you know, a Credit Card account number that begins with: 3 is American Express 4 is Visa 5 is Mastercard 6 is Discover
