Only the CA knows if you were close to being sued; considering that you were very recently late/charged off, and it was Citibank, I would say it's a real possibility.
Thanks to all who listened, gave sage advice, and were there for some handholding!!!
dola is 7/96 so should come off this month should i just leave it till next month and see if it is still on there??
First though, read the links referenced in this thread, they will help you understand the overall process:
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