My last payment to either card was in May. I have a $27k balance with Chase and a $25K balance with Citibank.
Citibank calls pretty much about 8-10 times a day. Sometimes we answer, sometimes we don't. So far, they've been polite with no issues.
Chase hasn't called in almost 3 weeks. That makes me nervous - though when I look online, the account still shows open and active - just with no available balance. So, I'm guessing it hasn't been charged off yet ????
We hoped to file bankrupcty in August or September, but now it's going to be December -- which is a definite. Can we make it until December without getting sued? Even better, can we make it until December without them selling it to a collection agency?
My attorney actually told me yesterday to quit answering the calls. Even suggested changing my number. Said it's not going to make a difference one way or the other. However, I don't want them to start bothering friends and family. I don't mind answering occasionally - not a big deal - hoping by getting a response from me occasionally that they will let it slide longer - who knows. I just use my standard line - lost job, trying to keep mortgage paid, and until that's current will not be able to pay anything towards credit cards.
So anyone have an experience with either of these two companies or these balances?
Citibank calls pretty much about 8-10 times a day. Sometimes we answer, sometimes we don't. So far, they've been polite with no issues.
Chase hasn't called in almost 3 weeks. That makes me nervous - though when I look online, the account still shows open and active - just with no available balance. So, I'm guessing it hasn't been charged off yet ????
We hoped to file bankrupcty in August or September, but now it's going to be December -- which is a definite. Can we make it until December without getting sued? Even better, can we make it until December without them selling it to a collection agency?
My attorney actually told me yesterday to quit answering the calls. Even suggested changing my number. Said it's not going to make a difference one way or the other. However, I don't want them to start bothering friends and family. I don't mind answering occasionally - not a big deal - hoping by getting a response from me occasionally that they will let it slide longer - who knows. I just use my standard line - lost job, trying to keep mortgage paid, and until that's current will not be able to pay anything towards credit cards.
So anyone have an experience with either of these two companies or these balances?
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