What is the name of your state? Florida.
Ok here goes.....Do to my separation and divorce over two years ago I became financial burden....I assume huge amounts of credit card debt. I tried consumer counseling for a little over a year.....but they didnt help...I pretty much just threw my money away. So after I sold my home I decided (I had never had any credit problems previously and the debt was making me sick) to close my account with the cosumer company and deal with my creditors directly or with the collection agencies. I was able to pay off my Sears, Chase, MBNA, my checking plus and a couple of small credit cards.
I was able to explain my situation and they did they're best to come up with a settlement amount. The only company left is Citibank; they have been hesitant to deal with me .... I resently received a summons from an attorney on the behalf of Citibank (South Dokota). I answered and returned my answer the same day( I have no money for a lawyer). I explain pretty much everything I've stated here....I told them that I dispute the amount the state I owe: being Over $27,000.00 due to the fact that I didn't even have that credit limit. I told them that I had $6,000.00 left from my sale of my home and that I would be glad to pay them this money if they closed my account and left me alone. They denied it....I spoke with they're attorney this week and told them I just dont have anything else....I have nothing to my name.....I can try to pay them half of the $12,000.00 in monthly installments of $100.00 but even that is a stretch for me.....they said they were going to send me a financial affidavit....but they didn't think Citibank would accept it.....what do I do.....should I start sending my $100.00 on a monthly basis attached with the letter explaining my payment ...... as a good faith payment......I am just worried sick.....I cant sleep or eat....I just want to finish this....please help me with any advice possible....
Ok here goes.....Do to my separation and divorce over two years ago I became financial burden....I assume huge amounts of credit card debt. I tried consumer counseling for a little over a year.....but they didnt help...I pretty much just threw my money away. So after I sold my home I decided (I had never had any credit problems previously and the debt was making me sick) to close my account with the cosumer company and deal with my creditors directly or with the collection agencies. I was able to pay off my Sears, Chase, MBNA, my checking plus and a couple of small credit cards.
I was able to explain my situation and they did they're best to come up with a settlement amount. The only company left is Citibank; they have been hesitant to deal with me .... I resently received a summons from an attorney on the behalf of Citibank (South Dokota). I answered and returned my answer the same day( I have no money for a lawyer). I explain pretty much everything I've stated here....I told them that I dispute the amount the state I owe: being Over $27,000.00 due to the fact that I didn't even have that credit limit. I told them that I had $6,000.00 left from my sale of my home and that I would be glad to pay them this money if they closed my account and left me alone. They denied it....I spoke with they're attorney this week and told them I just dont have anything else....I have nothing to my name.....I can try to pay them half of the $12,000.00 in monthly installments of $100.00 but even that is a stretch for me.....they said they were going to send me a financial affidavit....but they didn't think Citibank would accept it.....what do I do.....should I start sending my $100.00 on a monthly basis attached with the letter explaining my payment ...... as a good faith payment......I am just worried sick.....I cant sleep or eat....I just want to finish this....please help me with any advice possible....