Citibank South Dakota, NA v. Sawant

Citibank South Dakota, NA (“Citibank”) commenced this action against Ajay M. Sawant (“Sawant”) to collect an unpaid debt on a credit card totaling $3,184.42. Sawant, representing himself, filed an answer and counterclaim1 in which he pleaded that by a settlement agreement with Citibank, the debt was paid in full; that the complaint “did not include an Affidavit of Debt”; and that by continuing its collection efforts, Citibank breached the settlement agreement and violated the Fair Debt Collection Practices Act, 15 U.S.C. §1692 et seq. He demanded judgment in the amount of $7,500.00. After a…