Sued for a debt without warning

by Rebekah
(Somerville, NJ)

A little background- I had a Citi Financial account I was paying through a debt management program. I missed a few payments (my bank account info changed and I didn't realize that I didn't update it until 2 months later) so I was dropped from the program. Citi Financial then turned the remaining debt over to Green Tree Servicing. Flash forward about 3 years later and I receive a notice from the local court (12/9) that I'm being sued by Citi Financial. But my debt has been purchased from Citi Financial by LVNV Funding (end of October 2015) and I never received anything regarding this - just immediately sued.

First, I'm not even sure the amount is correct that they are demanding. Second, I'm really upset that I wasn't able to at least ask for validation of the debt - I've been the victim of identity theft and I want to know that these people are legit in collecting this debt. My deadline to respond is 1/18/16. What can I do?

Reply from

Since you are being sued, we'd encourage you to talk with an attorney familiar with debt collection laws. At least get an initial free consultation to find out if they think the collector violated the law by failing to give you the opportunity to request validation of the debt. Find out how to get free or low-cost help with your debt collection problems here. Please let us know what happens.

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