Cred. card acct. sent to collections:can OC change terms?

[strugglingKS]

I have a Citi credit card account that has been sent to collections...NFS to be exact. I just received a letter from Citi changing terms of card agreement (APR, Default rate, over-limit fees, etc). There is a provision in the letter stating that if I do not agree to the changes, write them a letter stating so & the card can be used by terms of the original agreement until the card expires....and so on. So I sent Citi a letter, stating that I do not agree to the new terms...and I asked them to let me know the state of the acct...(because it is supposed to be in collections). I just want to know if Citi can (legally) change these agreements if the acct is already in collections? I would much rather just deal w/citi than NFS. Sorry this post seems a bit long, I just can't think of how to word it any shorter.

Thanks!!!

[willingtocope]

Its my understanding that "going to collection" thing can mean several different things. Sometimes, the OC still "owns" the debt and simply contracts with a CA to hassle you...sometimes the OC sells the debt to the CA. So, for Citi to change the terms while its in collections probably means they still own it...but...depending on the terms of the contract they have with the CA, they may or may not be willing to talk directly with you about it.

[strugglingKS]

Thanks for your response. I think I'll just start sending documented payments directly to Citi...I don't know what to do.

[J_Snow]

I think you just got a 'form' mail out that they were changing the terms. I dont think it matters much at this point. Big companies are notorious for not cross checking their mailing lists against other lists that would seem common sense (I know we do it all the time).