In 2005 our family was adversely affected by the Hurricane Katrina. We had several credit cards and had to forego payments while we used our resources to stabilize and help recoup from this natural disaster. We wrote most of our creditors including Citibank and offered reduced payments to keep the accounts active. When multiple requests for adjustments were made and denied (except to auto draft $ from our bank accounts which we refused) the Citi accounts went into default and the rate was changed to 31.45 spiraling the debt off the charts and out of control. Fast forward to 2006. We started getting letters from Junk debt collectors Weltman, Weinberg, and Reis. The amounts we double plus the original amounts, so we wrote and asked for debt validation. The attorneys involved have the initials ATM, BC, MVS, and RT. None of them sent a validation, however each of them sent threats and one ATM sent threats twice w / a computer printout of a statement. I wroteback to each stating computerized printouts were not acceptable debt validation that I would need 1.) The signed agreement that states WWR has a contract to collect the debt. 2.) The original or copy of the contract w/the card that bears a signature 3.) Debits and credits from the opening of the account to it's last payment. NONE of the 5 attempts were validated to conform with FTC letter Cass-Levre, and this constitutes violation of the FTC rules 809b.instead of supplying the info, they started action in our local civil court and have summoned us multiple times since with no resulting action in the court. We have a final appearance coming up and if this is not resolved we will take them WWR to Federal court on multiple infractions the last being false documentation as they have sent an undated copy of! Unsigned "order" from our civil court via regular mail in an attempt to defraud us once again. Let me add that many of our creditors worked with us to close accounts and offered affordable payments, among them, Cap One, Home Depot, HSBC & others people Citibank and WWR are the worst, avoid them at all costs!
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