Need Some Advice

[Baldie]

I'm in California. I just recently joined a debt management program which is schedule to start 12/06. One of my creditors is Citi. I've read alot of posts online that citi is very difficult to deal with and that they do not work with debt management programs. Has anyone had any experience with them and how did it work out?

 

[racer72]

The first thing to remember is creditor participation is voluntary. If they don't want to participate, there is nothing you can do.

 

[LSCAP]

As soon as they can, Citi will turn it over to a CA. and even while you are paying that CA, they will send it to another CA.

I was helping my son, we contacted the one he was paying money to and told them that a second CA had sent a demand letter.The first one got upset and said do not qcknowledge them.( the second one)

Unless you are filing BK I wouldn't waste my money on a Debt management co.

Like Racer said, they have no authority over anyone. Can not reduce the debt, can not reduce the interest etc.