Citibank Judgement

[johnnyv]

Hello everyone I just joined this site today. I am looking for some advice. I have a citibank credit card that has been in collections for a long time. I woud say about 4 years old. I have been trying to make a settlement with them they want 4200 for a settle ment and not a dime lese. I was willing to pay them 3000. Now I'm getting letters for a judgement. What would you guys recommend that I do. I need to do something this week

[johnnyv]

anyone:th_dblthumb2:

[NightStar]

This is not my area of knowledge. But I do know that you need to answer the summons and apear in court.

You can contact them in the meantime to see if you can settle with them for dismissing the judgment.

Have you sent them a debt validation letter? That is something you might do. But you time is running out.

If you go to court soon, then ask for discovery of assets in court, that will get the judge to make them prove the debt is yours.

Just a few ideas

[bijna814]

What was your original debt? Also are you working because if they take you to court they can garnish your wage.

[WhatTheFrank.com]

Letters for a judgement in the mail? If so, that is a classic scare tactic. Save them because if they tell you they are going to sue, they have to. If not they are misrepresenting the debt and well the rest can be looked up in the FDCPA. Try reading the FDCPA Annual Report 2008. You are being contacted by the Collection Agency not Citibank. Who is the collection agency? Another thing they have to sue you in the place of orgin the debt was initiated, not in their back yard. If it was a summons for judgement they would have made some kind of arrangements to fulfill the debt. Statute of Limitations is a big factor here too. If it is past the SOL that is considered harassment because they have to understand the FDCPA. Remember, being served means getting a person who appears before you and sometimes requiring you to sign. Some that have a good reputation can get by, by describing the event or describing or identifying you in person. Appearing in ten days to leave your response can sometimes squash it by requesting the proof against you. Try it. I does work because what are the odds of them having proof of the agreement you entered into with your signature or proof you agreed to enter into the agreement. Reply back.

[xavier11]

You should consult a legal advisor.