My Citibank card is around 100 days delinquent and went straight to H&H law firm. They call around once a week. I finally called them back and told them I was settling with some other OC's for around 35/40%. She said that Citi would only do 80% and that they "wanted their money!".
She also said that they sent a letter around three weeks ago stating that I must pay immediately within 30 days or face a lawsuit. I NEVER saw any letter!!.
I told her that no letter ever arrived and that I could not afford 80% of the debt. She said "Oh well, thats all we can do for you, find a way to pay or else!"
Are they bluffing? Are they required to send me the letter before they file suit? Should I write them and request DV?
I wouldn't mind settling if I could afford it but I would prefer to find violations on their part and sue their asses off or something. I guess that since the debt has not sold and they are just a collection "vendor" (as the citibank automated message calls them) I may have a tough time winning in court. What do you think?
How should I proceed from this point?
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