[sadie]

This is not legal advice just from my experience.



Citibank will not go away. They charge off the account and continue to try to collect. They like to send that letter claiming 12 usc 24 seventh. Look it up and read it. What they claim is no where in there.

They also claim some case Pottorf somthing that I have never been able to find. (They may have made it up)



They use outside collection attys. (3rd party FDCPA Heintz v. Jenkins). They ignore everything I send and the attys ignore everything I send. They don't care that they are in violation of FDCPA, they continue collection and now have filed complaint against me in court. (that's a whole other story - will be in court in July)



Beware. Months go by with nothing then BAM they are at you.



just my 2 cents (not lawful money)