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Have her call and ask for mercy?
In all honesty tho, they defaulted w/ someone else -- Citi is just trying to make sure the same thing doesn't happen to them.
Ok, i will probably be there and the day she calls, probably be best that i talk to them, if CITI allows that, i know i have spoke on behalf of my grandparents before, also they will still have to pay off the balance, right?