HI! I've received the letter from CSI. I did not knew who they are, so I did research online and found your forum. I was thinking to call them before I read this, but now I'm not sure if it's a good idea at all. In the letter they saying that I have to reply within 30 days, but they already started to call me and my ex-wife. I do owe money to my credit card, but I'm out of job and simply cannot pay it at this time. Can you please advise what should I do? Thank you in advance!:confused:


