Citibank, easier said than done....
I've come across situations where the suggestions on this forum can sometimes make it worse for someone trying to rid themselves of debt. One example would be those that say to not make the first payment until you first get a settlement letter. So far, Citibank DOES NOT submit this letter until one makes the first payment.
Secondly, Citibank will not report the settlement to the credit bureaus as "paid in full", rather "settled in full".
Thirdly, Citibank will not accept money orders or cashiers checks for payment, but only a check by phone.
Had I decided to play hardball, I simply would not have settled this debt at 25%. I would have shot my chances down with the hardball tactics some recommend on this forum. Anyone have a different experience?