CoopMag:
More than likely your account from CitiCard was sold to United Collection Bureau.
Your account with CitiCard was more than likely sold off, especially if you went 6 months or more without making a payment.
If this is the case you must deal directly with them, and not CitiCard. I would call CitiCard back and verify if they just placed the account with them for collections, or if United collection Bureau actually bought the debt.
The answer given will determine your fate.
If they placed you in collections, but CitiCard still owns the debt, then they would need CitiCard to file suit with you.
If they sold the debt to United Collection Bureau, then they can file suit against you themselves.
your failure to work with them could force them to file suit against you. BEWARE, in the State of Flordia, wage garnishments are legal.
Wages: 100% of head of family's paid and unpaid wages up to $500 per week for head of family (deposited into bank account for up to six months) [222.11]
This statemnt means they can take upto 500 per week from you. This is a powerful reason for them to sue you.
I would give them your phone number immediately, and work with them, otherwise, you may end up living at home with your mother, because you will be working for the collection agency.