they gave me two options admit or deny.
its a 750$ debt from citibank 4 years old. they are now charging me 1500+$
excessive late fees and defaulted to 30% apr. they say my last payment was june 2003. i say it was older but not sure. FL and Tx law is 4 years for SOL.
What should i do now? How do i ask them to provide proof of the latest payment? Its so far after they debt that i have moved and havent obtained any proof of past payments. Isnt there a defense on this? I know most will say get a lwyer but if i could afford one i wouldnt be on here and representing myself earlier early today in the court as i did. please any info would be greatly appreciated.
p.s. would it be possible to feasibly talk them down to my original balance now? i am more than willing to pay what was billed (which is also questionable) i just want to get it behind me and i cannot afford the 1500+
Brian

