This website is truly a great resource and has done wonders for my outlook. Let me give a little background and see if i am understanding everything properly. Last week i was contacted by Client Services, Inc regarding a charged of debt from Citibank. The debt is for approximately $4000 and was charged of in May of this year. Not knowing any better i spoke with the CA for a bit and told him i would look into my options and get back to him. I can not pay the debt in full at this point and he is not willing to make payment arrangements. When i talked with the CA i took note of the fact that he referred to Citi as his client so i do not think that the debt has been sold. I went back to the OC, Citibank, to see if i could work with them and they just refereed me back to the CA. So at the moment my plan is to send a validation letter with proof of delivery of course. Now i understand that they very well may not validate and in that case i will work from there. My question is what happens if they do validate? What are my options at that point?
