Just found out my debt is charged off after only 100 days from citi. What do i do now?
I thought Id have 180 days or so..instead when I checked my credit report it said charged off - and then called citi and said \"too late\"... what is my next rational step? They said it went to a 3rd party attorney.. will they try and settle with me first before lawsuit? can they tack on charges on top of what I owe? Please help!