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Hi Terry- Thanks for the response. I had originally tried to go directly back to an attorney that answered some questions for me previously, but she did not respond.
In regards XXXXX XXXXX answer, no it is not disclosed anywhere. MY reaffirmation agreement is an older version where the verbiage reads "fees and costs that have accrued as of the date of disclosure...." there in an updated form now as of APR that clearly states "principle balance, fees, costs, and interest...." The lender insists to me that the interest that had accrued as of that date is NOT a fee nor a cost. So, again, I disagree. I am wondering if your advice can pertain strictly to bankrupcy. To complicate the situation further, I had already sent a 'demand letter' to citifinancial auto (with no response). During that time, i was notified that the account was now being taken over by Santander. It stated that it was still owned by citi, but being serviced by santander. I decided to contact santander with the issue, they stated that I should in fact be dealing with them directly for everything. However, refused to correct the account. My question is, who should I sue? Do i still sue citi, or do I sue santander- or, how can I find out who to sue? Also, is there any other way to get this corrected without having to sue them? Thank you for any feedback you may be able to provide.
Thank you. One last thing in regards XXXXX XXXXX advice- in order to list them both on the complaint, do I list them side by side, or fill out 2 pages or what, exactly?
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