I am being sued by citibank credit card. I live with my daughter and have no income, i have not been able to pay on this debt since oct2001, i am scared i have never had this happen to me. what is the worst thing will happen to me?
Is is Citibank's inter
collection agency that is threatening to sue you?? Citi bank is the
worlds worst I think in using "scare" tactics to make people buckle to
them and pay right away. Have you tried to make payment arrangements
with CitiBank?
I too got sued by Citibank
back in 2003--they cops served the papers to my mother during the day
when I was at work. Boy, did I get alot of questions from her! I ended
up filing backruptcy b/c I could afford the monthly payments even with
consolidation of all my debts. I would get an attorney for advice, they
shouldn't charge you for advice! If need be, hire him then, I know that
may sound like alot of money, but my attorney cost me $700.00 to file
bankruptcy, so your attorney just to make up a letter to Citibank or
whatever shouldn't cost that much.
2001?? What state are you in
?? It could be out of the SOL for your state.. If it is out of SOL they
might try to file suit, but you should be able to have it dismissed on
ground the debt is time barred.
If you have no income to repay
the debt I would definitely see if you could file bankruptcy. My
bankruptcy was actually done by a paralegal and cost about 400 dollars
total. Bankruptcy filing laws have changed recently so I don't know if
that would still be an option.
If you don't want to try that,let me ask you this--do you get some kind
of state or county support each month or child support? I am pretty sure
they can't attach those types of funds. Maybe they can arrange some type
of affordable payments for you. Have you talked with them and explained
your financial situation?
Good point Clay. millerdenyse,
check your state laws for SOL. If the debt is past SOL, they cannot win
it, provided you appear the trial and raise your voice with SOL issue.
Consult a lawyer; don't let them win a default
judgment.
Blah. I hate reading things
like this. I hope every credit card company that pays money for a law
suit ends up losing that money AND The money owed to them because the
victims have to file bankruptcy. Some companies are so willing to work
with you - but others aren't. Don't you'd think they would be so they
can at least get something every now and then? Creditors...
blah.
i was sued by citi and got a
warrant in debt. i settled out of court. the thing is, if you don't
own property, if you don't have a job.....how would they collect it.
the only way they can is if they garnish wages or if they attach a lien
on property you owe. other than that you can't get blood from a
stone
Sub: #9 posted on Thu, 09/28/2006 - 17:21
Unregistered
receive a phone call from a
man named richard todd couldn't understand the company name said he was
an investigator and he called on a friday and said if he didn't hear
from me there would be a devalt judgement against me at 3 o'clock and
gave me the case number I called my court house and they said there way
no such case number now a sheriff came to my door today and i wasn't
home have no idea who this company is or what I owe sheriff will
probably be back tomorrow , have read many bad posting about richard
todd what should I do( note he called on friday and said the case would
be on monday live in pennsylvania)
Sub: #1 posted on Sun, 05/21/2006 - 08:05
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Sub: #3 posted on Sun, 05/21/2006 - 08:31
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If you don't want to try that,let me ask you this--do you get some kind of state or county support each month or child support? I am pretty sure they can't attach those types of funds. Maybe they can arrange some type of affordable payments for you. Have you talked with them and explained your financial situation?
Sub: #4 posted on Sun, 05/21/2006 - 11:02
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Sub: #9 posted on Thu, 09/28/2006 - 17:21
Sub: #10 posted on Wed, 08/19/2009 - 21:28