Hello. I guess I will start out with a little summary of my case first. (I am doing this for my wife, who recieved this under her maiden name) I recieved a court summons on 5/7/07. It was from a local attorney, not asset itself, but the attorney was representing them. It stated that she was in default of a CitiBank card, for the amout of around $5401. I then sent out a Validaion letter on 5/9/07 to the attorney listed on the summons. I recieved the return reciept ticket on 5/12/07. As of today (5/29) I have not recieved anything but the signed return reciept that it had been recieved. When pulling up the credit report on TransUnion, CitiBank was not listed but Asset was listed with the origional creditor as CitiBank. the balance there is listed is $5316. The account type is listed as an open acount, with an updated date of 3/07. Also as of today (5/29) the court has no set date of appearing.
My questions are as follows: What happens if they do not send me the answer to the validation letter?. If no court date is set, I dont think I need to follow up, but only to appear when told to. If I need to appear in court what other documents should I take with. I am taking the copy of my validation letter, copy of the summons, list of my states SOL, and a copy of my credit report. My main question is that the card is under my wifes maiden name and we have been married for 7 years. I know for a fact that she has used the card in that time, or even a little earlier. How come the card has not been charged off and why would it be placed in collection in 10/06. I know she tried to close the account before we were married, but the card told her she could not close an account with an outstanding balance. Then we just never had the money to pay off the account.
I guess if it comes down to it, I have to pay, but shouldnt they have to prove that they have gotten all the info from CitiBank. Do I need to contact CitiBank for a copy of my account, which being 7 years ago, I do not have any thing around the house.
Thx for reading my long narrative. Thx in advance for the help. Much appreciated. Eric