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Nicholas Barrett & Associates? What are my options?


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Posted by confused (68.14.159.2) on April 26, 2004 at 21:21:31:

I really need some help here. I'm 21 and about to go off to grad school this fall. I mad a lo of financial mistakes when I was younger but I have learned my lessons now. I did a pretty good job of cleaning up my credit reports as much as possible, but there are still some haunts left.

I received a letter from "Nicholas Barrett & Associates" today trying to collect on a Citibank debt. The debt was previously being collcted by unifund. Unifund wanted over $14K and now Nicholas Barrett Esq. wants $9K. The debt was originally around $7K i think but over time interest has added on. The last time this account was paid on was in 2001.

The letter has the 30 day validation cluase and was signed along with the mini-miranda. It came in a cheap envelope and very thin paper that was all smudged, very unprofessional. The letter states that my Citibank account was bought by "Rumford Credit Services," and Nicholas Barrett & Associates want a check for $9K or payment arrangments. I don't have this kind of money. I only have about 500 saved. This attoryney is in my area so it makes me think that they'd like to sue to get a judgement, but I have no money.

I know there were a lot of charges on that account that Citibank never disputed for me. Would it be a good idea to request full validation? I never signed anything for this account, someone called me and opened it over the phone. Any help would be appreciated. This is the last thing I need bothering me in my life now. I'm wondering if this guy is just scum attorney/collector? What should I do?


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