I was contacted by Dawnie from GC Services, last night around 8:15pm. It came up on my phone as a local number so my husband answered it. He handed the phone to me and she asked if it was me and gave the address of which I reside. She said that she was calling on behalf of CITI bank in regards to a credit card debt I have with them and asked if I was going to pay the full amount last night of $3,947.95, and I told her no, because I was working with American Financial Concepts, which is a debt settlement company. She said that they will not speak to any 3rd parties regarding my account. To make a long story short, she asked me my husband's name, place of employment and a number where they could reach him. I told her that I wasn't giving her that information, because he has nothing to do with my debts, nor does he know about them. She said that she is going to document in my file that I refuse to give out this information and I said fine. She then repeated herself. She gave me 2 options, 1) to pay off my debt in 6 mthly payments of $600 and 2.) to pay $1973 by tomorrow (Tues., 11/10) and then pay $100/mth.interest free. I had to give them a good faith check in the amount of $50 and then I am to call her back tomorrow at 1pm. She said that she was located in San Diego. She said that I am deemed evasive and that CITI bank is demanding that I pay the full balance.
Unfortunately, I felt bullied and didn't know where to turn, so I gave her my checking account information for the $50. Does anyone have any advice for me? I do not have the $1900 to pay them by TOMORROW!!!
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