I just received a package in the mail (one was also dropped off at my house to my wife who was frankly scared to death by some dude in gym shorts banging on the front door) that states "Summons" and that I must "answer the Complaint".
Having read some of the other posts in other threads this looks like a case where someone skipped over all the typical collector calls and such and went straight to the courts? Just a guess.
Anyway, I don't yet have enough information to know if the debt is valid or not. A bit of history is that I was separated/divorced over the same time period they are saying that they were assigned or purchased the debt; in this case from Citibank.
My questions are:
- What are my first steps?
- Do I need to bother with a DV request?
- At this point do I provide a formal response through the courts?
- I'm in NY and the SoL is 6 years. I can't find any reference to a Citibank account on my credit report (just ran one for 08/2009) which would either suggest that it's a bogus claim or that if the debt was valid, it's no longer on my report, hence 7+ years old???
By signing up a debt counseling session, your provided details (Name, Email ID and Phone No.) will be forwarded to the company advertising on the DebtCC. However, you have no obligation to use their services.
Some creditors and collection agencies refuse to lower the payoff amount, interest rate, and fees owed by the consumer.
Creditors/collection agencies can make collection calls and file lawsuits against the consumers represented by the debt relief companies.
Debt relief services may have a negative impact on the consumer's creditworthiness and his overall debt amount may increase due to the accumulation of extra fees.
The amount which the consumer saves with the use of debt relief services can be regarded as taxable income.