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About sng4jy

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  1. I was just served papers on the $7900 I owe to Cavalry (OC - Citibank). I really would like to end this matter quickly and be done with the whole thing. I am trying to decide if I should hire a debt settlement lawyer to arrange a settlement or if I should contact Cavalry's lawyer and negotiate directly myself. Does anyone have any opinions or experience with this? Not sure if it is worth the lawyer's fees to have them negotiate for me, but I also don't want to make a mistake and leave any doors open for them to resell the remainder of the debt or not have an official settlement. Any advice is
  2. A few months ago, I was contacted by Quall Cordot and Assoc. (Fresno, CA) on behalf of Cavalry for a debt from Citibank of about $7900. I requested and received debt validation documents which I am not sure are valid but they did send a packet of statements and final debt statement, etc. I sent them a settlement offer of $2000 which they responded to by asking for $4300. I am not able to raise that amount of money. So, now they have sent a letter of "intent to sue", I have not received an actual lawsuit yet but assume they will file soon since the SOL on this debt ends this October. I hav
  3. I am trying to sort out what my next step should be and would appreciate your advice! I have read through so many of the comment here and keep getting confused. Here is my situation - Debt: $7900 OC: Citicards JDB: Cavalry (but owned by someone else previously) State: CA Date of default: October 2013 I was contacted by a lawyer (Quall, Cardot, LLC) for debt validation. I requested this debt validation from them using a form found here. They responded by sending their receipt for purchase and some final Citicards statements. My question is, what do I d