Question for JJKelly

Posted by cdyoun (68.225.118.239) on July 06, 2004 at 12:23:43:

In Reply to: Re: Being sued by Citibank posted by JJKelly on July 04, 2004 at 19:08:00:

I have a serious problem that sounds similar tho this one. I haven't posted before so please accept my apology for not knowing the correct procedure.

Old First USA account:
balance of $7500 charged off and showing last activity 9/2000 on one report 6/2001 on another. The last payment was on Aug 1 2000
nothing since then even though they report is a having payment in early 2001, we never made a payment to them.
It was charged off after that.
It has been through different CA and was sold to Unifund in Jan. 2004.
Now an attorney in Atlanta is threatening to sue...actually we expect the papers any day now. They sent a letter and we sent a request for verification return receipt and got that back on the 25th of June. The debt is stated at $12000 now! We can't really afford an attorney and a judgement will ruin my husband. What should we do? We thought about sol but it is 4 years in Georgia and I know that is why they are pushing to sue now. The cc was obtained in Oklahoma and their sol is 3 years...What are our options. We can't afford the settlement amount they want $9700. Thanks so much.

After I sent the Verification letter they have still called twice and they received it before they called.

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