1. Check for regulatory violations
Companies like Citibank, have been found to have violated Truth in Lending regulations or other statutes. Check for violations.
2. Document hardship
There are many legitimate claims of hardship arising from loss of job, illness, or other unforeseen circumstances. Forward materials concerning illness. Do be careful about sending information about specific accounts, because the company could later use that to collect on the debt.
3. Request arbitration
To avoid class actions, most credit card agreement provide for arbitration with the cost paid primarily by the credit card company. Arbitration and with it mediation may be more flexible, and allow a reasonable resolution at less than the stated claim.
4. File needed papers or confirm extensions
Companies like defaults, so file an answer or seek arbitration.
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