sng4jy

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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 welcome. Thanks!
  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 have also been contacted previously by two other debt collection companies regarding this debt so I think it has been bought and sold a few times. I am a bit overwhelmed and quite frankly, intimidated by my lack of legal knowledge on how to proceed. I found the Fullman firm online and am wondering whether you think now is the time to hire a law firm and if anyone here has had any experience with this firm. Any advice is appreciated, thank you!
  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 do now? I have seen conflicting advice about filing for arbitration. Do I wait to see if they sue? Send a letter "electing" arbitration? I feel like they are going to sue me before the SOL is up in October. Do I need to do anything to preempt this? Should I try to offer a settlement - if so, who do I contact? The lawyers or Cavalry? Thank you for your help!