I just received a letter stating that if I dont contact on a Citibank account that is past due they will file a lawsuit. This was an account that was 3500 and now is 6500 and I received my credit report today as well and on it it says the account opened on May 07 but also says account is scheduled to continue on record until May 09. Does that mean its going to go off my credit report in May 09? Citibank is not even on my Experian report as this creditor is. On my TransUnion I show Citibank reported and as of 5/07 it states the account was closed on 11/02 and the pay status is charged off as bad debt. On this report it says it will be removed on my report as of 7/09. Now I havent made any payments for at least 4 years and there is not reported payments on this.
I am trying hard to take my self out of debt right now and this is my biggest one. I can barely afford my bills as it is and I have 2 children. Can they really sue me? Hasnt SOL passed? I live in California and Im also hoping they cannot detach my wages as I couldnt afford it right now. Is there anythign I should do? I was told not to contact them because it may start the timeline over again. Please help any advise would be much appreciated!
Star
MODESTO, California
U.S.A.
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