We have at least 3 accounts with CITIBANK

We have at least 3 accounts with CITIBANK. One was sold to them. i don’t know who the original creditor was. The other 2 were Citibank to begin with and I don’t know what collection agency they are with now.

I was told that they don’t usually sue, but was told that MBNA sues. I have heard that SEARS sues, but so far they haven’t with us. I have heard that SEARS will come to your house to take back their junk. Has anyone else here heard that about SEARS? Thanks……..

I guess I’ve lucked out then

I guess I’ve lucked out then because the DMP I am with now doesn’t charge any kind of down payment; actually none of the one’s I contacted charge one

Well I’d say you lucked out, cause ALL the ones I contacted charge one, and most want that DP all at once. I got lucky in the fact that the one I chose let me pay it in TWO payments. I am happy for the most part with mine, some settled for more than I had had anticipated, and some for less, so I guess it sorta balances out.

I hope CB don’t try and sue us, cause I wouldn’t be able to go, PLUS I do owe the money, I just don’t have it. I hope to have all the accounts settled in two more years. My debt settlement company says they have ways to make life hard for the creditors, just as they have ways of making things hard on us. All I know to do is to hang in there and stick with the program.

You are soo right Im throwing her over the edge!

LOL you are soo right Im throwing her over the edge! I can tell everytime she talks to me on the phone she can barely keep the venom out of her voice…

I of course must screen my honeys calls…I love caller ID : ) She calls at 1 oclock at night sometimes when she forgets to take her prozac and a visitaion is coming up… And I wont let her talk to him…. She flips out on us and keeps calling over and over… I of course answer everytime so that we can subpeona her phone recordss….It throws her in a rage… one night last year she called a record 50 times from 1 till 2.

She cant stand not being able to pull my husbands chain anymore, and now that im closer to her children she feels even more threatened so im sure its just gettin ugly it will be downright gruesome soon! We have a visitaion coming this coming week ill keep ya posted… She does have a mental problem too, she has had to see many councelors and shrinks and is on prozac..

Simple question

I am just joining this blog and have found a lot of useful information. However, since I am in debt and poor, I am looking for some free budgeting software to use on my computer.

I have not found anything so far that is very helpful. Does anyone have any suggestions?

Here is one that may be helpful for someone here

Ok here is one that may be helpful for someone here other than continuance. FOR THOSE OF YOU WHO MAY NOT KNOW:



That last one scares me, but I try not to worry about it too much. #1 can be fixed pretty easily… Get caller ID or have your number changed altogether to unlisted. I did.



I used to have a list and will post it here if I can find it. But these are the main ones. And if you happen to answer the phone and it’s a creditor, you have the right to ask them that they only contact you by mail, and if they call again, they are in violation and you can contact the PFDC (Partners for Fair Debt Collections).

In some cases they can be fined, and you MAY be entitled to a judgement against them. Most won’t contact you by phone again, but it is good to know that this law is there for the creditors that harrass us.


I do not know if you have stopped paying on the cards or not

Ok… I do not know if you have stopped paying on the cards or not.

But that may not be a bad idea. A neighbor told me to do that years ago, but I didn’t, for fear of what the creditors would do to us. I stuggled with monthly minimums till I could no longer meet the minimum payments. We haven’t used a card in over 2 years. It’s been hard, YES, but you learn to do without. We had to use the cards just to survive. But if I had of known that there’s nothing the creditors can do to you, I would of stopped paying them and put that money into savings. Now we are hurting for groceries, as we have nothing to fall back on. There are several books out there on debt.

I have bought quite a few online from used bookstores. I would not file bankruptcy unless it was a last resort. In any event, whether it be bankruptcy, or a debt settlement program, they are gonna ask you for a down payment. Expect to pay $1,000 minimum. Even CCCS asks for a downpayment…. NONE of which goes towards the actual debt. To me CCCS is a ripoff. They lower the interest rate, and some companies will NOT accept CCCS. With a debt settlement program, they pay off your cards ONE at a time…. much like the way you got the cards…

ONE at a time. TRUE the interest continues to accumulate, along with late fees and over the limit fees, but in most cases the company…. well at least mine anyway, settles for less than what you owed the credit card company in the first place. Most of these places mine included gets 25% of whatever they saved you. Mine has a deal where at the end ofthe program when all your cards are paid off they will enroll you in their credit repair clinic, so that there is nothing negative in your credit report.

I am gonna try to help you here

Ok I am gonna try to help you here. I am with a debt settlement company now…. but IF I had known back then what I know now, I would do things a bit differently. Laws vary from state to state. Some states the SOL (Statute of Limitations) is as long as FIFTEEN YEARS! I think that was RI or something.

Some states have as few as 2 or 3 years I think. I have a few CITI BANK cards and so far they haven’t sued me. I would need to ask you a few questions first. How far behind are you in your payments? My debt settlement company won’t begin negotiations till the debt is 6 months in arrears. This is usually the time that the debt is “CHARGED OFF”. By this time it has gone to collections and has most likely been sold to a collections agency. I did get a letter once from a creditor once saying that they were gonna start looking at public records to see if I owned any property. I called my debt settlement company and they told me not to worry that it was a “scare tactic”.

There’s nothing they can do to me, and that lawsuits are “usually the exception and not the RULE”. Since your car is paid for, I don’t think they can touch it. NOW if you owed on it, they could take it, cause cars and houses are considered “secured” loans. Most credit cards are “UNSECURED”, so I guess you could take out a cash advance, buy a car, pay cash and own it outright. I will go into the “things I would do differently” had I known…….in my next post. If I can help just ONE person, all this typing and getting knocked offline will have been worth it.

I have been through this with Citibank twice

I have been through this with Citibank twice, and in the process I have heard from several attorneys and debt settlement program staff people that Citibank almost always takes the tough approach and goes for a judgement regardless of what program you may be in, no matter how good the program or your payment record with the program may be. This doesn’t mean they will or will not settle, but as I understand it this is Citibank’s standard policy that has been decided at some higher, bureaucratic corporate level, and not by the law firm representing them in a given case. I don’t know for sure if this is true everywhere, but this helped me be less stressed about it — i.e. they weren’t picking on me personally!

The suggestion of a legal clinic is a good one, I have also made use of the Legal Advice Line. Basically for $35-$50 you get to have a phone consultation (as long as needed) with an attorney in your state and this includes drafting court documents for you. Basically they help you “do it yourself” which is much better than doing it yourself alone. Pricing and services may vary depending on where you are located. In my experience you can often speak with an attorney the same day you call.

As I understand (and what was told to me) is that it is extremely important that an Answer be submitted to the Court by the deadline given in the lawsuit. (be sure to use certified / signature mail to send it to the Court and send a copy to the plaintiff.) This is a document responding to the lawsuit and as I understand it is much more important than you’re showing up in person for the hearing. This is where the Legal Advice Line or a similar service or a legal clinic can help you – what you say in the Answer can help keep the controversy upon which slows down the court process and gives you more time to come up with money to settle.

(Where I live the courts are very backed up so this bought me a year’s time). One point of controversy I can think of for you is to claim the proper venue is in your home county not the other state. Even if the original contract stipulates otherwise this forces Citibank to prove that, which means delays that help you be in a better negotiating position to settle.

I don’t know anything about the various debt settlement programs you are in and certainly if you are dissatisfied then it may be wise to change. However, I would encourage you to consider not changing programs too often, as this can make it hard for even the best people to help you with a process that does take time.

Please take my suggestions as ideas and not legal advice, and be sure to get some legal advice from someone in your area.

I wish you all the best.

You can ask for the continuance yourself

You can ask for the continuance yourself, but you need a good reason for a continuance. Missing work, unfortunately isn’t one in the legal arena. I would suggest you contact an attorney in your area and see what, if anything, they can do. You may not be able to afford NOT to have an attorney, at least for an initial conference.

Check your local Yellow Pages for a legal aid clinic, they may charge fees, they may not, depending on your income, but whatever they charge, they are usually considerably less than private law firms.

You don’t say what state you are in, but why didn’t Citibank start the action in your state, your county? A local attorney may be able to help there.

Question from a New Member

I just joined this blog about 1 month ago and so far have learned a lot but I need an opinion/advice from you. I have about $30,000 in CC debt. I joined a debt management program about 18 months ago and was doing ok until they “lost” my payment and were very unhelpful during the situation.

So I switched to a Debt Settlement Program which was a HUGE mistake because as soon as I switched, Citibank sued me for the amount owed. I am now trying to get into another DMP. My court date with Citibank is 11/9/16 and is out of state. If they don’t accept the proposal from the DMP, I need to get the trial delayed because I can’t afford to miss 2 days of work.

I am a contract employee so no work = no pay. I am waiting for a reply from the DMP Citibank’s response to the proposal. My questions: Should I contact the court or Citibank’s lawyer to ask for a continuance?

I am unable to afford an attorney so I guess I would do this myself. Should I contact another DMP and see if they have better luck dealing with Citibank? Are there any programs out there that have experience in dealing with consumers who are involved in litigation? Thanks in advance for any and all advice!