Before I begin I have notified the FTC and local BBB.
My parents actually received the initial call. I have not lived there in over 10 years. My mom seemed upset by the call so I returned the call.
I spoke to Ms. Davis who informed me that Citibank intended to file suit 03/31/05 which I have received no notification of. I was advised that I have until then to contact them with the name of a lawyer if I was filing bankruptcy. I informed them that I did not appreciate my parents being called. The response was that you owed a debt so we can call anyone to get in touch with you. She then stated I have a lot of attitude for someone that owes a debt.
I advised her that I would be filing bankruptcy to which she informed me that I could not do that for $6000. I advised her that I owed more than that. She advised that I could not include Citibank in the bankruptcy and stated that I stole the money from Citibank. I advised her that I did not appreciate that implication and I didn't sneak into the bank and steal the money. I advised her if she checked the status on the account I had paid faithfully on the account for 4 years until I was stricken with Cancer and was unable to work.
I was advised that it was not an excuse and made to feel that the Cancer was my fault. A "manager" then interrupted on the call and said again that I am too arrogant for someone that can't pay $6000. He asked my why Texans never paid their bills. He stated that the laws in Texas protect a debtor but that only made his job more fun and that he still would get me. He asked me why I think Citibank does business in Texas and he said it is because they have an "iron clad" contract in reference to credit cards.
This "manager" stated that I will have a mediocre life and that I would never own a house, car or ever have a good job. When I informed him I did have a good job he said then how come I could not pay $6000. He said $6000 was nothing to him to which I replied then he should pay it.
I advised him that I knew the law in Texas and that I could not be sent to jail and that Citibank could only file a judgment against me. He then asked me if I knew what a meeting of the creditors entailed to which I replied what it was. He said that I needed to be prepared for the pain Citibank was going to descend upon me and that the lawyers would take care of me. He said since I know so much why I was talking to him. He said that a person with Cancer wouldn't use such colorful language. He said he would personally make sure that Citibank got back the money I stole from them.
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