Letter from Attorney

[Clowe]

What is the name of your state?What is the name of your state? TX

I have been battling Citibank for some time now over a credit card account in collections. There have been several collection attempts from many CA's, all of which I sent validation letters to all of which never replied.
Today I received a letter from Mccleskey,Harriger,Brazill & Graff- a Texas firm. They are a legit firm, I looked them up on the internet. I am afraid these guys are for real. They want the check made out to Citibank, not them or some ghost company. The letter sent reads just like any other letter from a CA, except they mention seek to recover any fees from trying this case in court.
The problem is I don't have any money to offer. My attempts to make reasonable payment arrangements were always denied. Thing is, I am worried I will be in court soon.
My plan is to send a validation letter to this firm and go from there. Does that sound good? Any other ideas? Thanks.

 

[Ladynred]

Well, you can try validation. Once you send them the validation demand they will have to halt all collection activity - including suing you.

How old is this debt ? When did you last pay CitiBank directly ??

 

[Clowe]

The last time I made a payment on this account was May 30, 2003. There's one thing I didn't mention earlier-does it matter that this particular account is disputed with 4 CRA's? I thought it did, but it seems I was incorrect.