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Need advice Citibank debt - sent to attny in home state


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I lost my job a few years ago and decided to stop paying on several cc's. I hired an debt settlement attorney to The cc's wouldn't settle until my credit was thrashed so after a year or so we started to settle with a few. I managed to settle with 4 of the 8 cc's, however, I still have discover, citibank, and capitalone == about 35k.

It's been 2+ years since I stopped paying and now the citibank debt has been sent to a local utah attorney and I received a letter on the 11th of Oct. I'm wondering what is the best advice at this point?

The debt is for 12k of which 3k+ is interest and penaltys. I can afford to settle with these guys for 4k or less cash --

What exactly should I do .. I have 30 days to respond.



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just what kind of letter?? Is this letter from the atty? Or could it be a collection agency trying to look tough?

It's from an attorney specifically. law office of Richard J. Carling, SLC

(I've copied the letter below)

Re: CitiBank

The above matter has been referred to our office.

If any portion of the above claim is disputed, you are to notify us in writing within (30) days, indicating the nature of the dispute. If you don not indicate a dispute in writing within that time, our office will assume the claim to be valid.

If you indicate a dispute, we will obtain verification of the debt and mail a copy of said verification to you. If there is a question as to the original creditor in this matter, upon your written request, we will provide you the name and address of the original creditor if the same is different from the above named.

This is an attempt to collect a debt. Any info gained may be so used.


Richard J. Carling

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