Citicorp Credit Services != Citicards?

Well, I have not personally not dealt with them personally. But if you are finding it difficult to settle debt with them, then you can get help from a debt settlement company.

Do not waste your money on settlement companies!!

Give it time

The answer is complex. They are, and they aren't, Citicards (aka Citibank SD).
Within Citigroup, they are considered the in-house collection dept for everything Citi.
Some case law, however, provides that because they are a different corporate entity, they are in fact a third-party debt collector subject to the FDCPA.

They (Citicorp) are claiming they charge off at 120 days. I have seen others on this board say they were beyond that with citicards. Just wondering if there are different charge-off "rules" for installment loans or if they are just bluffing me, or if these are different collectors. These guys are playing hardball: they had previously offered a 50% settlement prior to 90days, now when I called back at 98days, they went up to 60%. May need to let this one charge off, as I can only do 35%. Why on earth would they let $13K charge of versus taking a $5k settlement? Seems obsurd.

They gave me some spiel about how because this is an "installment loan" and not a credit card, there are different "federal regulations" about how much they can settle for.
True, or blowing smoke?