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Showing content with the highest reputation on 11/20/2015 in all areas

  1. With all due respect to the prior poster; filing a bankruptcy on an $8K debt would be using a sledge hammer to kill a fly. I think fisthardcheese gave you some good advice and that's the route I'd pursue. Keep in mind that no one can collect money you don't have so until you are back on your feet financially and can pay and/or settle these debts there isn't much more that you can do.
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  2. Synchony has a good arbitration clause to use. They use JAMS and they say they will pay your $250 filing fee if you ask them too. I would open a claim in JAMS and ask Synchony to pay. JAMS arbitration will cost them at least $5k for the first hearing. It can go much, much higher if you know how to stall, object and force more hearings. There is a 90% chance it never gets that far anyway. They will not want to spend twice the amonunt they are trying to collect and end up losing money anyway. If this happens to be with a JDB collector and no longer with Synchory, then your chances go up t
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