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  1. 15 points
    Arbitration Overview Arbitration is a clause that is found in most Credit Card Agreements. Your Card Agreement will state that you may use either AAA or JAMS as the arbitration firm. The Card Agreement may also state something about who pays for arbitration. It may say that "they" (the OC or JDB) will pay all of your filing fees. This means arbitration will cost you a grand total of $0, while the creditor will be billed a minimum of $5,000 to complete an arbitration (and many times that price can climb much higher). However, even if your arbitration clause is silent on costs, the rules of the arbitration firm cap all consumer fees at $200 for AAA and $250 for JAMS. This means you would never pay more than $250 max, while the company will still be paying many thousands to arbitrate. Just due to this cost structure alone, almost all JDBs will refuse to arbitrate. This is why getting your case out of court and into arbitration - especially when facing a JDB - is almost like having a golden ticket to a win. Of course, like everything there is no guarantee. However, the odds are strongly in your favor with arbitration against a JDB. (If you are dealing with an OC - especially a big bank like Discover or AmEx - then your arbitration experience and strategy will be much different than with a debt collector JDB like Midland or Cavalry. More details on differences in taking an OC bank to arbitration are below). Strategies of arbitration: 1. It's not a Bluff, it's arbitration - You are going to ask the court to move your case to arbitration because that is the proper forum per the card agreement. This is not a "bluff" to scare off the JDB. This is a strategy that must be followed through with. It is ok if the JDB does not magically drop the case just at the mention of arbitration. The JDB will continue to work the case as if arbitration was never said, even after you file a Motion to Compel Arbitration in court. The JDB may even pay the initial filing fee of $900 to follow you into arbitration once you start the case. However, soon after that $900 filing fee, the JDB will be sent a first arbitrator retainer bill of about $5,000. This is why you continue arbitration. You are not bluffing, because your case is the same in arbitration as it was in court. You will be making the same arguments and have about the same chance of winning on those arguments (slim, in all honesty). The big difference here is that the JDB must now pay large sums along the way to allow this to happen. So you are not bluffing, you are just moving your case into a forum that they do not like and which forces them to make a cost/reward analysis on whether to continue the case or not. 2. Settlement Opportunities - The goal of arbitration is to create a situation that gives you the best settlement advantage (i.e. settling for $0 with a mutual dismissal with prejudice). There are 3 key points where this comes into play. #1 - After the court grants your MTC and before the JDB pays the $900 filing fee to the arbitration firm. #2 - after the JDB pays the filing fee but before their $5,000 retainer is due (after the arbitrator is chosen). #3 - After the first conference call and before the discovery deadline, just before the hearing where another large retainer bill is due. If the JDB does not reach out first to talk settlement, these are the points I would send an email letting them know I am willing to offer a mutual dismissal with prejudice (minimum). Do not forget to always include an expiration date for your settlement offer. I like to make my offers expire on the same day the next event is due (i.e. a payment deadline for them to pay the arbitration fees, or the discovery deadline date, etc). If they do not agree to your offer, or counter for a higher amount you can not or are not willing to pay, then I just decline the offer and allow arbitration to proceed to the next step until you get to the next key settlement point where I make my same offer again with a new expiration date. 3. Object. Object. Object. - In arbitration, if you do not object to something in writing you lose your right to it. Therefore, anything that happens that falls outside the arbitration rules and especially the supplemental consumer rules, you must object in an email to the arbitrator and CC'd the JDB attorney. Objections not only preserve your rights under the consumer rules, but they also can create side issues that must be dealt with by the arbitrator. The arbitrator's hourly rate to respond to these side issues can really eat up the JDB's $5k retainer before you even get to discovery. Especially if you have phone hearings on these side issues (HINT: always ask for a phone hearing as part of an objection). This causes arbitration to be slow and expensive, which can position you into a better settlement opportunity. 4. Initial Conference Call - This first call once the arbitrator is appointed is where you can set the tone to let the other side know that you are not bluffing and you mean business. They should come away from the call knowing very well that you intend to see this case all the way through to the final hearing (even if you really don't want to). This call is usually fairly quick and informal. It is designed to set the scheduling of discovery and a hearing date. However, you should assert some things during the call that tips the other side into knowing it will not be an easy push over win like they would have in court. I would ask the arbitrator for the other side to submit the name of their witness they will bring to the hearing with personal knowledge of the alleged account. If not already covered by the arbitrator, I would ask for an in person hearing. I would be prepared to give a time-frame when the arbitrator asks how long you will need to present your case at the hearing (I would say at least half a day - aprox 3 - 4 hours). 5. What About an OC? - If you are dealing with an Original Creditor (not a JDB) they may take the arbitration all the way through to the final hearing. Money is far less of an issue with the big banks, and unlike a JDB, these banks are not counting on collections as their sole source of income. Therefore, the OC banks will proceed with arbitration with much less trepidation than a JDB, so you must modify your strategy and expectations. With some OC's, they will never agree to a mutual walk away, however, using arbitration may help you get a much cheaper settlement offer than you would by staying in court. My goal with an OC would be to use the long, slow arbitration process to buy some time to save up a lump sum to offer them for settlement. You can use the same settlment opportunity points as yo would with a JDB, but instead of "mutual dismissal", your offer may be to pay 50% of the debt, for instance (or what you can realistically offer as a lump sum payment) in exchange for a dismissal of their court case against you. If you can't come to an agreement and go to the hearing and "lose" the final hearing with an OC, check your card agreement for any arbitration appeal language. Some OCs like Discover and AmEx have an appeal option written into the contract. The appeal is before a 3-arbiter panel. This means the arbitration process starts all over again, only this time you have 3-arbitrators which triples the bank's costs. This is where arbitration costs can skyrocket well over $100,000. After you file an appeal and get 3 arbitrators appointed, this is likely the best settlement opportunity with an OC. (when they are staring at a new $20k initial arbitrator retainer bill after just paying around $10k - 20k for the first arbitration in total). Starting Arbitration First thing is first - Your court case. If you have been sued, you must answer by the court's deadline. Don't worry about the actual arbitration case for now. You must file your answer and/or Motion to Compel Arbitration with the court before your deadline. (A sample Motion To Compel Arbitration is at the bottom of this post) In court, the important thing to remember is when you are asking for arbitration, you effectively put everything about the alleged debt and account in the back seat. You are saying that the court has no jurisdiction to hear this subject and that it is for arbitration only. Therefore, do not fall into the creditor attorney's trap of trying to continually bring back up the debt and anything related to it. Do not answer their questions prior to going in front of the judge about the debt. Instead you just assert that it is a matter for arbitration and you will be asking the court to grant your MTC. When facing the judge, they may talk to the attorney first who will go into the information about the debt. Just wait for your turn to speak and state that you have a pending MTC that speaks to jurisdiction and that you would like to have that heard first before getting into the merits of the case. Getting a granted MTC is like a golden ticket against a JDB. This should be ALL that you focus on in court. When you file the MTC you essentially put a wrench into the JDB's auto-pilot lawsuit mill. The ONLY question now before the court is whether there is a valid arbitration agreement between the parties (you will show that there is with your card agreement and affidavit). And if there is found to be a valid arbitration clause, then according to case law (from state and SCOTUS), then the court MUST order arbitration. This is the one and only issue that should be covered in court. AFTER the court grants your MTC and orders the parties to arbitrate, then you should move on to actually filing the case in arbitration. Filing your Answer and MTC in Court VERY IMPORTANT NOTE: Before doing anything in court, you should look up (or get a copy from the court) your local court rules! All courts have their own set of rules and it is impossible for anyone on this board to know for certain your specific court's rules. You especially want to read the rules on filing an answer and filing a motion and be sure you are complying with those rules (and time-frames) when you are taking these actions in court. When you are sued, you are required to answer the lawsuit within a certain time-frame. That time-frame is different for each court, according to the rules of that court, but a general time is between 20-30 days. In some courts, you are allowed to file a Motion in place of an answer. However, in this thread, I suggest filing an answer WITH your Motion to Compel Arbitration (MTC). This is not a requirement, but it may change this one element in your case: Filing a MTC only (in place of an answer) allows the Plaintiff to dismiss the case without prejudice on their own before the MTC is ruled on by the judge. However, if you have filed an Answer AND the MTC, most courts do not allow the Plaintiff to dismiss the case on their own and they would need to get your cooperation to file a joint stipulated dismissal. When that happens, you have the right to tell the attorney that you will only agree to a dismissal WITH prejudice (and this permanently puts an end to your case and the alleged debt too). Very Important Note: It is imperative that when you file an answer, you mention arbitration as a defense. In some states, if you do not raise arbitration as part of the answer, the court can rule that you waived your right to arbitration. In your answer, after you deny all allegations in the complaint, you should create a new section with the following title: “Affirmative Defense”. Under this heading you will state “Lack of Subject Matter Jurisdiction – The underlying contract contains a private arbitration clause which the Defendant has elected to exercise. Therefore, This Court does not have jurisdiction to hear this matter”. Along with your MTC it is generally a good idea to include an affidavit that testifies that the included Card Agreement you are submitting is a "true and correct copy of the contract that governs the account from which Plaintiff's allegations arise". A quick google search will show you how an affidavit should be formatted and worded. It does not have to be complicated or special, it just has to be your own words stating you have the correct card agreement. The Affidavit should be notarized before filing with the court. This is the only document that is necessary to notarize, as it is a sworn statement. Having the affidavit is also a good way to counter the most common argument a creditor will make against your MTC, by saying you have the wrong card agreement. Your affidavit is your sworn testimony and the only way to counter this is for the Plaintiff to present a witness with knowledge of the bank's card agreements during the time your account was active. (In other words, it would have to be sworn testimony from the Bank itself, and not the JDB or the attorney's word). Because of this, your affidavit usually eliminates any doubt that the Card Agreement is accurate and valid. This answer and your MTC can be filed at the same time. However, if you are up against the deadline to file an answer, the answer is the most important element to avoid a default judgement. The answer should be a short and easy document to file, so get that done first if pressed for time. You may then file the MTC a week or two later (as soon as you can, but no later than allowed by the court rules). Some courts require that you set a hearing date for your MTC. If your court requires this, make sure you do this at the time you file. In some instances, you may be required to contact the other side's attorney to work out a date for a hearing after you file the MTC. Make sure you know your court's rule on setting up a hearing. Some courts automatically schedule a hearing for you, and in some cases the judge will rule on your motion without a hearing at all. This is a matter of a court by court basis as they all operate in their own way with their own rules. Checking court rules on filing motions is essential. Filing The Arbitration Case Go to the website of either AAA or JAMS, depending on which one your card agreement mentions. Find the document titled "Demand for Arbitration". The instructions for filing are at the top of this Demand form. Remember that you are filing for CONSUMER arbitration, so follow the instructions for CONSUMER cases. When filing arbitration, I very strongly recommend filing some claim against the JDB. Remember that when you ask for arbitration and file it, you have now flipped the roles. YOU are the "Claimant" and THEY are the "respondent". This is essentially like you are now "suing" the JDB, only in arbitration instead of court. Think of it just like that. You would not file a lawsuit against yourself, so do not do it in arbitration. I would never mention THEIR claims against me, nor the debt in any way. Instead, I only file MY claims against the JDB. Do not worry at this stage about the details of your claims because this initial claim is allowed to be changed, added to or dropped at any time before an arbitrator is assigned to the case (and even after, you can still make changes with the arbitrator's permission). If you have nothing very strong with proof against the JDB, I would file with something such as "violations of state and federal consumer debt collection laws" or perhaps, "Violation of the Fair Debt Collection Practices Act", etc. Or even a simple "Billing dispute" will do if you have no violations of law against them. Again, it doesn't need to be more detailed then that at this stage and if your claims never pan out, you have the ability to drop them later (or you may find NEW claims to add if the JDB violates the laws during the ongoing case). When sending in the Demand for Arbitration, I never send money initially. If you are required to pay the $200/$250 consumer filing fee (or any portion of it), then the arbitration firm will tell you to submit that in order to continue. They will never reject your filing, but will send you a case number and request for payment to move forward. Having the case number is key evidence that you filed the case (which may be needed for Court later). If the Card Agreement states that "they" will pay for your filing fee, I will include a cover letter with my Demand form stating that per the Agreement you are asking the company to forward the consumer filing fee directly to AAA/JAMS. Also when sending the Demand, I send it to AAA/JAMS and to the attorney for the JDB at the same time. I send both CMRRR and retain the green cards. Although the Demand Form instructions say that proof of service is needed, I simply include a "certificate of service" with my forms that states that I certify that I sent a copy to the JDB by USPS Certified Mail. If there is ever a question about service after I file, I will have the green card to submit as proof if needed. Remember, that this is now YOUR case against the JDB. It will be up to the JDB to file a COUNTER CLAIM in arbitration for the alleged debt. They have a set amount of time per the rules to file a counter claim. Make sure you know the rules. It will not be uncommon for the JDB to not file their counter claim in the allowed time frame. If they file after the allowed time, you must file a written objection noting this and ask for their claims to be stricken as untimely. Always file written objections to EVERYTHING that falls outside the rules in arbitration. When you object, also ask for a hearing on the matter (see arbitration strategies section above). NOTE: It is likey that in such situations, the arbitrator will rule in favor of the creditor almost every time and allow things like untimely filings anyway. Do not let this discourage you. The point is that you filed the objection, forced at least a response from the other side and for the arbitrator to make a ruling. All of this cost them time and money. Even if nothing goes your way on objections, you should continue to make them for every problem you encounter. They add up and they increase the pressure on a JDB (or an OC) to settle. The fact that using this Arbitration method has now reversed the roles (you are the claimant who has brought claims AGAINST the JDB) AND combined with the fact that the Court has granted your MTC, means that the JDB is now stuck between a rock and hard place. They can't just dismiss the court case on their own (they need your agreement for a stipulated dismissal because of the granted MTC) and they also can't drop the arbitration case without your agreement (not only is it not their arbitration case, but yours, but they would also be violating the court order to arbitrate). Because of this, you are now firmly in the driver's seat. The JDB does not want to spend a ton of money and time to arbitrate, but also does not want to violate the court order. This means YOU are in control of the settlement agreement. You can tell the JDB that you will stipulate to a mutual dismissal with prejudice (meaning you will dismiss your arbitration case against them with prejudice and they will dismiss the court case against you with prejudice). You win. Filling Out The JAMS Demand Form The Jams Demand Form is located on the JAMS Website at https://www.jamsadr.com/rules-download/ Tips on filling out the JAMS "Demand for Arbitration Form" are as follows: Instructions: Be sure to read and follow the instructions for filing a case on this first page of the form. Respondent: The respondent is the JDB/OC/Creditor who sued you. They would be listed as the "Plaintiff" in the lawsuit, but are the "Respondent" in arbitration because you are the party filing the case here. Fill out the JDB/OC/Creditor's name and contact information here with the law firm or attorney's information below them in the "representative" section. If you know or can find the attorney or law firms email address to add here, it will be helpful as most of JAMS' communications after the initial filing will be by email. This can also expedite the confirmation of your case being filed in JAMS. Claimant: You are the claimant. Fill out your information in this section and leave the "representative" blank. Mediation in Advance of Arbitration: Do NOT check this box. Nature of Dispute & Claims Sought: This is the section where you can briefly list what claims you have against the creditor. Again, this can be as simple as "Federal and state consumer debt collection law violations", or listing the actual law or statute that was violated, or listing "Consumer debt dispute". Following that with something such as "Seeking Actual, Statutory and Punitive Damages". Again, I would suggest to NOT mention the lawsuit filed against you on this form. Amount in Controversy: Use your best judgement. If you have no violations to claim against them, this could be the alleged debt amount, or it could be the alleged debt amount plus $1,000 for an FDCPA violation, or the debt amount plus $2000 for an FDCPA and FCRA violation. Or perhaps you don't want to list the debt amount at all and just have 10 TCPA call violations and want to claim $5,000 (10 TCPA x $500). Again, use your best judgement. Arbitration Agreement: In this section, I simply spell out where the Arbitration Clause is located. It usually looks something like this; "Section 7 on page 15 of the attached Cardholder Terms of Use Agreement". Request for Hearing: YOUR city, State. This is the location that JAMS will select should an in-person hearing take place. Election For Expedited Procedures: Do NOT check this box. Again, the entire point of this strategy is to make the process slower and more expensive for the other side. Checking this box will defeat that entire purpose. Signature: Sign and Date this section (should go without saying) Consumer and Employment Arbitration: Check the box that says "YES. This is a consumer arbitration." Respondent #2: If you have claims against a second entity, such as the law firm representing the JDB, then you would add them as a second respondent in this section. That is all. You may leave the remaining sections blank and you are ready to file. Again, be sure to double check the requirements to file back on page 1 and follow the instructions carefully. Filling Out The AAA Demand For Consumer Arbitration Form The AAA Demand For Arbitration Form is located at https://www.adr.org/ConsumerForms This form is a little more straight forward and shorter to fill out than JAMS. The instructions for filing are located at the bottom of this single page form. I always use the email address at the bottom of the instructions to send in my AAA case filings. I print off the filled out form and my Arbitration Clause (AAA does not require the entire card agreement, only the arbitration section) and any other item you are subitting with your case. I then scan the documents to a single PDF file and attach it to my email. In the body of my email, I explain that I am submitting a new consumer arbitration case and (if stated in the card agreement) that the contract states that the business is to pay all filing fees, so I request that the business forward all filing fees directly to AAA. If you need help filling in the sections of this form, see the answers to the JAMS form above, as they are essentially very similar. Sample MTC (Note that is Sample is to show you an idea of what an MTC should look like. Never Copy/Paste this directly into your motion. Adding case law from your own state is a good idea) MOTION TO COMPEL PRIVATE/CONTRACTUAL ARBITRATION AND TO STAY PROCEEDINGS PENDING ARBITRATION NOW COMES Defendant, appearing Pro Se for its Motion to Compel Private Contractual Arbitration and as grounds thereto states the following: 1. That on or about ___________, 2011, Plaintiff filed its Complaint against Defendant. 2. Defendant sent a letter via certified mail to Plaintiff's attorney on ____________, 2011, electing arbitration with JAMS and requesting dismissal of this case (see Exhibit A, attached). 3. Defendant moves this court to compel binding Private Arbitration based on the terms and conditions of the Credit Card Agreement (see Exhibit B, attached). 4. The parties are bound by the Credit Card Agreement. The Arbitration Agreement states among other things: (a) YOU AND WE AGREE THAT EITHER YOU OR WE MAY, AT EITHER PARTY’S SOLE ELECTION REQUIRE THAT ANY CLAIM BE RESOLVED BY BINDING PRIVATE ARBITRATION. (b) IF YOU OR WE ELECT PRIVATE ARBITRATION OF A CLAIM, NEITHER YOU NOR WE WILL HAVE THE RIGHT TO PURSUE THAT CLAIM IN COURT OR BEFORE A JUDGE OR JURY. (c) YOU OR WE MAY ELECT ARBITRATION UNDER THIS ARBITRATION PROVISION WITH RESPECT TO ANY CLAIM, EVEN IF THE CLAIM IS PART OF A LAWSUIT BROUGHT IN COURT. YOU OR WE MAY MAKE A MOTION OR REQUEST IN COURT TO COMPEL PRIVATE ARBITRATION OF ANY CLAIM BROUGHT AS PART OF ANY LAWSUIT (d) CLAIM MEANS ANY CLAIM, CONTROVERSY OR DISPUTE OF ANY KIND OR NATURE BETWEEN YOU AND US. (e) THIS ARBITRATION PROVISION IS MADE PURSUANT TO A TRANSACTION INVOLVING INTERSTATE COMMERCE AND SHALL BE GOVERNED BY AND ENFORCEABLE UNDER THE FEDERAL ARBITRATION ACT. 5. The Federal Arbitration Act (FAA) 9 USC, Section 1-2 provides: “A written provision in any maritime transaction or a contract evidencing a transaction involving commerce to settle by arbitration a controversy thereafter arising out of such contract or transaction or the refusal to perform the whole or any part thereof or an agreement in writing to submit to arbitration an existing controversy arising out of such contract, transaction, or refusal, shall be valid, irrevocable and enforceable save upon such grounds as exist at law or in equity for the revocation of any contract”. 6. The Supreme Court Ruling, decided April 27, 2011, AT&T MOBILITY LLC v. CONCEPCION ET U, states that courts must enforce arbitration agreements according to their terms. If there is an arbitration clause in the contract, that clause must be honored. "We have described this provision as reflecting both a “liberal federal policy favoring arbitration,” Moses H. Cone , supra, at 24, and the “fundamental principle that arbitration is a matter of contract,” Rent-A-Center, West, Inc. v. Jackson , 561 U. S. ____, ____ (2010) (slip op., at 3). In line with these principles, courts must place arbitration agreements on an equal footing with other contracts, Buckeye Check Cashing, Inc. v. Cardegna , 546 U. S. 440, 443 (2006) , and enforce them according to their terms, Volt Information Sciences, Inc. v. Board of Trustees of Leland Stanford Junior Univ. , 489 U. S. 468, 478 (1989) ." Furthermore, "The “principal purpose” of the FAA is to “ensur[e] that private arbitration agreements are enforced according to their terms.” Volt , 489 U. S., at 478; see also Stolt-Nielsen S. A. v. AnimalFeeds Int’l Corp. , 559 U. S. ___, ___ (2010) (slip op., at 17). This purpose is readily apparent from the FAA’s text. Section 2 makes arbitration agreements “valid, irrevocable, and enforceable” as written (subject, of course, to the saving clause); §3 requires courts to stay litigation of arbitral claims pending arbitration of those claims “in accordance with the terms of the agreement”; and §4 requires courts to compel arbitration “in accordance with the terms of the agreement” upon the motion of either party to the agreement . . . " 7. The Defendant elects arbitration to settle this dispute. WHEREFORE, Defendant moves this Honorable Court to compel private contractual arbitration pursuant to the Cardmember Agreement and to dismiss Plaintiff’s complaint due to Lack of Subject Matter Jurisdiction or in the alternative, to stay proceedings pending contractual arbitration. Respectfully submitted this day ________________, 2014 (Your name), Defendant, pro se Sample Proposed Order Even if not required by your court rules (REMEMBER, you are ALWAYS to check your local court rules on requirements to file a motion before filing your MTC), it is probably wise to include a proposed order. Making the Judge's job easier to grant your MTC can't be a bad thing, IMO. Here is a sample Proposed Order you can include in a seperate page with your MTC: ORDER TO COMPEL PRIVATE/CONTRACTUAL ARBITRATION AND TO STAY THE CASE PENDING ARBITRATION Case No. xxxxxxx : COURT OF XXXXXXX COUNTY _____________ (name of plaintiff) VS. Case No. XXXXXXX _____________(your name) The foregoing Motion having come before the Court and having been duly considered, it is hereby ORDERED: _______ GRANTED / _______ DENIED Further, this case shall be stayed pending the outcome of private arbitration. This _____ day of _________________, 2018 By: ________________________ Judge of the ____________ Court
  2. 8 points
    The results are in.... PASSED! I submit my application to the character and fitness committee next week. If approved, I will be sworn in as an attorney June 12, 2019.
  3. 6 points
    DISMISSED WITH PREJUDICE!!!! 🍾(Both lawsuits)
  4. 6 points
    @Brotherskeeper You have done an outstanding job helping the OP. Thank you!
  5. 6 points
    Hello, Here is the response I just received. I will hold my breath until I see the documents.... "My client will go ahead and accept your proposed settlement below. I will send you the settlement documents that you will need to sign and send back to me via email. Once we have received the signed settlement documents back from you – our office will notify the court of the settlement, and the court may remove the case from the docket".
  6. 6 points
    Yes! I walked into the courtroom, sat down, heard someone mumble my last name up front and I said "that's me" and he goes "your case has been dropped you can go".
  7. 5 points
    I will apologize for my absence at another time. But I had to post the news of this gift we received today from the California Supreme Court. Cal Supremes held that a CCP section 98 declarant must be subject to actual personal service at the address given, and that the requirement is not satisfied by the defendant/defense counsel agreeing to accept service of a subpoena at that address. The case is Meza v. Portfolio Recovery Associates http://www.courts.ca.gov/opinions/documents/S242799.PDF
  8. 5 points
    @fisthardcheese @Harry Seaward @Brotherskeeper Update! The plaintiff's office reached out to me and offered to Dismiss WITH Prejudice at our upcoming status hearing in exchange for me to drop my AAA claim. We sort of tentatively agreed over the phone and they emailed me the agreement request. At this point then, I'm glad its sort of coming to a close now. Is there anything else I should prepare for prior to our hearing? I'm expecting to sort of just be handed a copy of the Order stating Dismissed With Prejudice and for me to drop my AAA case and I wouldn't hear about this account ever again.
  9. 5 points
    UPDATE: Just got back from my hearing on my Motion to Compel Arbitration and Plaintiff's Motion for Summary Judgement. Judge granted my MTC and gave me 60 days to pay the $200 filing fee. We have another hearing in April and as long as I have paid the $200 filing fee, the judge is closing the case. Judge said, "I am asking this as a compliment, are you an attorney by trade and if not what trade did you study?" Me: (laughed) and said no I am not. I have an Associates in Accounting but I stay home and raise my kids. @fisthardcheese @Harry Seaward and everyone else on this forum, I owe a big shout out to you for receiving this compliment! Definitely couldn't have done ANY of this without everyone's help on here! I will be forever thankful for all the help from everyone here!
  10. 5 points
    Just received: ordered dismissed, with prejudice by Midland
  11. 5 points
    Hey everyone, just wanted to post an update. MCM was true to their word, dropped the suit and they are sending a letter stating my wife is no longer obligated for this debt. All I had to do was submit medical documentation and her social security award letter. Thanks for everyone's help!
  12. 5 points
    Well, the attorney was a no show after all that. Got the case dismissed. Thanks for the advice all!
  13. 5 points
    Well, got a phone call today. I couldn't answer it because I was working, however I had a voice mail. It was the Plaintiffs lawyer asking me to call him back. So i call back after i get off work, he answers and I say "Hello *** its *** returning your phone call." Oh well I wasn't expecting a phone call back as nobody ever calls back. I laughed and said well here I am. He then says so, I talked to my client yesterday and they are willing to drop the case with a mutual dismissal with prejudice. I said sounds good! So now I need to get in contact with JAMS and drop the case once I get all the paper work in order. Couldn't have done it without all of your help!!! @fisthardcheese@Brotherskeeper@debtzapper@BackFromTheDebt@nobk4me@Goody_Ouchless@Xerxes@BV80
  14. 5 points
    OH WAIT!!! IT GET"S BETTER!!! @Brotherskeeper@debtzapper right after replying to debts post I checked my docket and here you guys go for your viewing pleasure! 03/22/2018 As to **********, motion #MV18-000010 for MOTION TO COMPEL ARBITRATION Granted. [JUDGE *********] 03/22/2018 As to **************, THIS CASE COMES BEFORE THE COURT UPON THE DEFENDANTS MOTION TO COMPEL ARBITRATION FILED ON FEBRUARY 1, 2018. THIS COURT HAS TAKEN INTO CONSIDERATION THE PLAINTIFFS RESPONSE FILED ON MARCH 12, 2018 AND DEFENDANTS REPLY BRIEF FILED ON MARCH 19, 2018. BASED UPON THE EVIDENCE PRESENTED, THIS COURT FINDS THAT THE CARDHOLDER AGREEMENT CONTAINS AN ARBITRATION CLAUSE AND THAT EITHER PARTY, WITHOUT THE OTHERS CONSENT, CAN REQUIRE A DISPUTE TO BE RESOLVED THROUGH ARBITRATION. THE STATE OF OHIO HAS A PUBLIC POLICY FAVORING THE ENFORCEMENT OF ARBITRATION PROCEEDINGS. SECTION 2711.01(A) OF THE OHIO REVISED CODE PROVIDES THAT ARBITRATION PROVISIONS WILL BE ENFORCED UNLESS GROUNDS EXIST IN LAW OR EQUITY FOR THE REVOCATION OF THE CONTRACT. PLAINTIFF CONTENDS THAT DEFENDANT IS BARRED FROM CHOOSING TO ARBITRATE BECAUSE HE CANNOT STOP PENDING LITIGATION. PLAINTIFF FURTHER CONTENDS THAT THE REQUEST FOR ARBITRATION SHOULD HAVE BEEN MADE UPON RECEIPT OF THE SUMMONS AND DEFENDANT CANNOT CHANGE COURSE IN THE MIDDLE OF THE ALREADY CHOSEN LEGAL PATH. THE ARBITRATION CLAUSE IN THE CASE AT ISSUE STATES THAT AN ACTION TO COMPEL ARBITRATION MAY BE BROUGHT AT ANY TIME, EVEN IF ANY SUCH CLAIMS ARE PART OF A LAWSUIT. ARBITRATION REQUESTS IN FACT ARE OFTEN MADE AFTER THE COMMENCEMENT OF A CASE. SECTION 2711.02B OF THE OHIO REVISED CODE ADDRESSES THIS ISSUE BY PROVIDING A STAY IN THE COURT PROCEEDING PENDING THE OUTCOME OF ARBITRATION. FURTHER, DEFENDANT DID NOT CHOOSE THE LEGAL PATH WHICH BRINGS THE MATTER BEFORE THIS COURT. DEFENDANT IS INVOLVED IN THIS PROCEEDING AS A RESULT OF THE COMPLAINT FILED BY PLAINTIFF. DEFENDANT RESPONDED TO THE COMPLAINT AS REQUIRED UNDER THE RULES OF CIVIL PROCEDURE TO AVOID A DEFAULT JUDGMENT. THIS LEGAL PROCEEDING WAS INITIATED BY PLAINTIFF AND DEFENDANTS RESPONSE TO THE COMPLAINT CANNOT BE CONSTRUED AS THE LEGAL PATH HE CHOSE TO RESOLVE THIS MATTER. IT IS THEREFORE ORDERED, ADJUDGED AND DECREED THAT DEFENDANTS MOTION TO COMPEL ARBITRATION IS HEREBY GRANTED. IT IS FURTHER ORDERED, ADJUDGED AND DECREED THAT THIS MATTER IS HEREBY STAYED PENDING ARBITRATION BETWEEN THE PARTIES. IT IS SO ORDERED.. [JUDGE ********] 03/22/2018 STATUS CONFERENCE scheduled for 03/29/2018 09:00 vacated. [JUDGE *********] 03/22/2018 As to LVNV FUNDING LLC, **************, the clerk is hereby directed to serve all parties notice of the judgment and it's date of entry on the journal. [JUDGE **********] 03/22/2018 FINAL AND APPEALABLE NOTICE forms printed and forwarded for service by ordinary mail to: ***********, ******* ***********, Printed on 03/22/2018 10:45 by user *******on station 3430. [Clerk entry] 03/22/2018 FINAL AND APPEALABLE NOTICE forms printed and forwarded for service by ordinary mail to: *******, *******,*****, *****, Printed on 03/22/2018 10:45 by user *********on station 3430. [Clerk entry]
  15. 5 points
    We have seen a case or two where the judge asks to see the arbitration clause and says "sorry, counselor, but that's the contract you bought," before granting MTC. So, number one, have a copy handy with the relevant section(s) highlighted. In these cases, the judge also tries to warn about potential costs and asks if you are sure. Don't be scared - you know that your exposure is limited by the rules. A simple "yes, your honor," will do. Plaintiff's potential arguments: 1) The clause doesn't apply to us. The answer to that is basically "are you freaking serious?!" You will need to find something more professional to say, obviously. 2) Arbitration will cost more than the debt is worth. Again - "It's your contract." 3) Too much litigation has already taken place. That one depends on jurisdiction. It looks like you elected arbitration in your answer, so you are good. 4) Small claims/debt collection exception. It looks like Synchrony has "we will not require you to arbitrate" small claims or collection case. I believe we have seen lawyers argue that that means the matter is not eligible for arbitration. The answer to that is that "they" aren't "requiring" you to arbitrate, "you" are "electing" to have this settled in arbitration. 5) We have seen a couple cases where plaintiff comes back with some crazy case law that mentions arbitration, but never applies to the matter at hand. That you'll have to address if it comes up - probably with a continuance to have time to research their argument. 6) They may send you into the hall to discuss, where Plaintiff's lawyer will lie about costs, etc. Remember that you are the same as a lawyer in this matter and anything unethical opens opposing counsel up to a Bar Complaint. A lawyer is not permitted to knowingly lie to opposing counsel without being opened up to sanctions. Others disagree, but if I were in your spot, with a case worth about $1000, I'd request a moment "in the hall," with opposing counsel and explain that I'm not some rube that just fell off the turnip truck and that we both know that his client does not arbitrate these cases. I'd say "in the interest of saving us both time, and you money, would like to just dismiss today?" Maybe even have a dismissal thing printed out for everyone to sign...
  16. 5 points
    Greetings all. Here's an update on my case. I ended up hiring a lawyer for my appeal. It was well worth it. Lawyer did a great job with our briefs. A few days before we were scheduled for oral argument, CACH contacted us to discuss a settlement. Just heard today that it's official. The judgment has been vacated. The case has been dismissed with prejudice. Happy New Year! Keep up the good fight!
  17. 4 points
    Just wanted to update everyone. I ended up winning by settlement. Had the case dropped with prejudice and Midland is paying for my arbitration + court fees. I'd like to thank everyone who pitched in with advice and helped me along the way. Most of all, would like to thank @fisthardcheese with their guide for arbitration. This is single handedly the only reason why I won so effortlessly. If anyone is in my position, please give the guide a look-see. Thank you again to every1!
  18. 4 points
    After following much advice and reading many post over and over on this forum , I have had my day in court and my MTC arbitration and stay the proceedings was granted. In Louisiana you must file your answer , MTC and a memorandum in support of your motion, a little different than the MTC examples posted here. You must also state if a court date has been set, if not you must request a court date and include a order sheet. When I filed my MTC the judge ordered PRA/Rausch Sturm to show cause as to why arbitration should not be granted. I followed all the court rules and advise from this fourm. The Rausch Sturm attorney was served as required by my state. They did not object or show up to court this morning. The judge granted my order and chucked/smiled while signing it. He said he was impressed with my ability as a Pro Se. I thank everyone for their post about arbitration, without that I would have been lost.
  19. 4 points
    I have had my run in with the same law firm, same debt company, same credit card, and same state. My advise to you is to read through my thread and see how much this community is absolutely amazing. See how a normal Joe shmo like myself, turned from a uninformed scared person, into a well informed individual. The process takes time, research, and patients but in the end is rewarding and self fulfilling. If you start reading through my thread you will see i made a lot of mistakes early on, luckily I had some guardian angels on my side such as @fisthardcheese@Brotherskeeper@nobk4me@BV80 just to name a few. This thread is packed full of great information to help you along your journey. I hope it finds you well in your research and aids you in successful battle!
  20. 4 points
    Hey, everyone! Gurstel and Calvary accepted my settlement offer. Looks like I was able to save some time. Thanks to everyone that commented and helped during this process. You all helped save my sanity. I truly appreciate it.
  21. 4 points
    Have not been on here in a while. Last time it was defending against Midland Funding. Arbitration WORKED 100% to get it to Non-Suit. Today Cavalry Law on Behalf of CITI Bank sent me a letter w/ a courthouse ruling of non-suit. I didn't even get served to go to court. All I did was write a professional letter and had it certified at the post office. I think certifying helped. I owe everything to this forum before beating Midland, and today was just a reminder of how we can overcome these scumbag debt collectors, we just have to be PRO ACTIVE Anyway just wanted to check back in! -C
  22. 4 points
    Nice try. I said they won't arbitrate their own claims. The case you posted is one where several consumers filed a class action lawsuit against PRA. That's nothing at all to do with what we're talking about here. You're not just "sharing your experience". You are sharing flat out false information from other sources that are known to promote 'snake oil', and you're also misleading people using irrelevant and inapplicable lawsuits. You've been warned multiple times about both. Now stop it.
  23. 4 points
    @CandyCLC I want you to know that this thread contains some very helpful information for future Michigan defendants. Various viewpoints about possible strategies were expressed and discussed for you to consider. You asked a lot of questions before taking action and posted your drafts for review. I am appreciative of your willingness to submit your motion to compel and stay in lieu of an answer. While I (a stranger on an Internet forum) felt confident that your motion was properly supported and would have been well-taken by the judge, we can't know that, of course. The fact that you were complimented on your prepared documents and the attorney's eagerness to settle before the hearing lend some weight to my opinion. You were very clear from the beginning that you wanted to settle for a sum you could afford. You achieved your goal. I agree with @BV80: I'm happy for you.
  24. 4 points
    Fair warning to all reading ... this is a horrible strategy. If you file a motion, fight the opposition and argue to the judge that your motion should be granted and the case moved to arbitration, and then the judge grants your motion, you are doing nothing but a disservice to yourself by waiting any length of time to file the JAMS/AAA case. Filing an arbitration case is the easiest process in this entire ordeal. it literally requires filling out a one-page document and then printing 2 copies of it along with 2 copies of the card agreement and putting them in the mail. DO NOT DELAY THIS PROCESS if you want to win.
  25. 4 points
    This is how CIC continues to be a vital community and viable resource for people in need of help.
  26. 4 points
    @Mloske Fantastic! I've been wondering about you. Thanks for the update! Keep us posted.
  27. 4 points
    Debt collectors usually provide that language. Are you sure it's from AmEx? If it's from AmEx, perhaps NY law requires they provide. Otherwise, the letter is from a debt collector. In any case, according to the notice, the debt it past the SOL and they can't sue you or report to the CRAs. Considering they can't sue you or report it, why would you want to pay anything? As has been stated, collection efforts would be letters and possibly calls but nothing else. If the letter is from a debt collector, you can send a cease and desist.
  28. 4 points
    Listen to these guys, they have helped me tremendously! I cant tell you enough however to check, double check, and then triple check that you have everything in order. It has bitten me in the butt a few times. I seem to have an amazing guardian angel, so im lucky i was able to resolve them quickly without consequence. As the others have posted Arb is your best bet, so get all your ducks in a row and look it all over with a fine tooth comb. Answer with your affirmative defense -Lack of subject matter jurisdiction. Motion to compel - Include case law from Ohio pointing out that an arb agreement is binding, and has been ruled by courts higher then your local municipal court. ( i.e. the supreme court ) In your motion be sure to attach a copy of the agreement that has the arb clause, this should be paired with an affidavit of authenticity that must be notarized ( Mine was done at my local bank ) Also be sure to include in this packet a judgment entry for the judge to either approve or deny the motion. (something i forgot to include) Read up on local court rules as well as Ohio Rules of Civil Procedure, and be proactive in preparing / learning. This process is long and frustrating, so be patient and let the wisdom of these fine gentlemen to guide you through to the end. In my thread (https://www.creditinfocenter.com/community/topic/329386-lvnv-funding-llc-v-me/ )I have gained alot of help from these guys if you can find anything useful there feel free. I urge you however not to just copy and past, make sure you understand what your doing before just playing monkey see monkey do. Good luck friend, be patient and open minded, all the tools you need are here to succeed!
  29. 4 points
    Midland knows a denied MTC is appealable in AZ because they have had this argument shot down several times here. They intentionally mislead the court. I would first work on filing a motion to rehear the appeal. Make your cornerstone argument that the appeal which is based on a denied MTC is not subject to 12-2101 as Midland argued, but is instead governed by 12-2101.01, which clearly states that a denied MTC is immediately appealable. If the Superior Court reverses itself, I would then get the ball rolling on getting the case into arbitration. I typically don't like counter claims in arbitration, but I really believe you have one here for Midland intentionally misleading the court. So instead of settling for Midland just walking away from their debt, I'd push really hard to get a little something in my pocket from them before letting them of the arbitration hook.
  30. 3 points
    First off, the title of your thread is inaccurate, unless you filed lawsuits against PRA and Cap1. Second, can you give us details about how you accomplished these things? Without that, your thread is useless.
  31. 3 points
    It is nonsensical for a person who asked for and was granted arbitration in a case to then nitpick by demanding the other side file instead AND giving up the extra little bit of leverage being the Claimant in the arbitration case will hold. Let it be known across the land: If your MTC is granted, FILE THE ARBITRATION CASE IMMEDIATELY AND WITH NO RESERVATIONS. Filing an arbitration case is the easiest part of this entire process. Not doing so is just plain silly.
  32. 3 points
    They didn't show up and I won my motion for sanctions against them. It's only $272 but I won, nonetheless. Fight back, folks! LVNV Sanction Motion .pdf
  33. 3 points
    Well it’s been a lot of hurry up and wait but after some back and forth I got myself a dismissal with predjudice! Everything was agreed upon outside of arbitration and filed in court. They spent about $5800 in arb fees and didn’t get the debt paid so all in all a big win for me. Thank you you all for your help! @fisthardcheese
  34. 3 points
    UPDATE: Fantastic news!! I have received a letter from Midland's attorneys offering to dismiss without prejudice!!!! I am beyond elated!!!! I have attached their Stipulation to Dismiss here. They also included a letter (just basically saying if you agree, please sign and date and send back to them) along with a proposed order. Ideally, I would like my $250 back and a dismissal with prejudice.. but I will certainly accept a dismissal without prejudice if it means I would only recover my $250. What do you guys recommend? Thank you so much everyone!!!! This place has been a godsend, I have no idea what I would have done without the wonderful, selfless people on this forum. Especially @fisthardcheese @Brotherskeeper
  35. 3 points
  36. 3 points
    @Harry Seawardwas not playing a "morality card". We do not condone the avoidance of legitimate debts, however most of the people who come to this site cannot afford to settle or pay a debt in full. When we congratulate a poster after he achieves an outcome with which he is satisfied, it's because we're happy that he no longer has to deal with a stressful situation.
  37. 3 points
    You could immediately file an interlocutory appeal. Did the plaintiff sue you for breach of contract? If so, the plaintiff has alleged there is a contract. Even if you denied the existence of a contract, a non-signatory (party who claims they are not part of a contract) can force a signatory (party who claims they a part of a contract) to arbitrate.
  38. 3 points
    I would keep "correct'. I also recommend the word "applicable". Just because a copy is a true copy of an agreement doesn't mean that copy of the agreement is the correct agreement that applies (applicable) to the issue at hand. A simple example would be a "true copy" of a Citibank agreement, but it would not apply (applicable) to a Capital One account. You want to show that the copy is the agreement that applies to your account at the allotted time. If it were me, I would state that it's a true and correct copy of the applicable agreement.
  39. 3 points
  40. 3 points
    @CandyCLC The title of your motion should be: DEFENDANT’S MOTION TO COMPEL PRIVATE/CONTRACTUAL ARBITRATION AND DISMISS, OR IN THE ALERNATIVE, STAY PROCEEDINGS PENDING ARBITRATION, IN LIEU OF AN ANSWER NOW COMES , <<CandyCLC>>, Defendant in pro per, <<or, appearing pro se>> and hereby moves this Honorable Court to compel private contractual arbitration based on the Credit One Bank , N.A. Cardholder Agreement, (" the Agreement"), pursuant to MCR 2.116(C)(7), MCR 2.119, the Federal Arbitration Act ("FAA"), 9 U.S.C. § 1, et seq., and the Michigan Uniform Arbitration Act, MCL 691.1681- 1713, as grounds and authority. Pursuant to MCR 2.108(A)(1) and MCR 2.111(F)(2), Defendant in pro per <<or, appearing pro se>>is filing this Motion in lieu of filing an Answer.and states the following:
  41. 3 points
    Oh dear, with all due respect, I must disagree with the esteemed @debtzapper and @fisthardcheese on a few points. 1.) The sample affidavit that DZ posted does not comply withe the Michigan rules for an affidavit submitted with the motion OP is drafting. I've posted the rules and correct exemplar in other Michigan threads. When I get a free moment, I'll post it here. 2.) In my opinion, it is not necessary for Candy to make the statement, " That I opened an account with Credit One on or around XX, XX, XXXX." in order to submit the agreement to the court as the governing agreement with her affidavit. 3.) Michigan does not permit a general denial answer. I've posted elsewhere that the existence of an agreement to arbitrate is the proper way to assert it as an affirmative defense. I posted the case citation that lack of subject matter jurisdiction is not proper in Michigan. 4.) From my perspective, Candy seems in a panic about what she must admit, lying, has false notions born of fear and anger about the court's and the JDB's power to grab her bank account without any "proof" or due process. She wants to settle, but doesn't have the funds; wants to dictate terms, but has no leverage, etc. A properly drafted motion to compel arb in lieu of an answer--using Fist's template as a basis--is an acceptible way to respond to the complaint by the deadline for the answer. The motion would be set for a hearing 28 days after serving plaintiff with the motion. If the motion is denied, she has another 21 days to file an answer if she doesn't appeal the denial. This gives her a lot of time to gain leverage if the motion is granted, time to gain her composure before having to admit or deny anything, plus time to gather funds if she decides to settle. Just my 2 cents.
  42. 3 points
    G&C took the coward's way out. They didn't even send you a notice of the dismissal. This means you must have made them angry lol Because Magistrate Court is literally like the wild west of courts and the rules actually state that the judge's are allowed to make up their own rules, I would just take the win and let it go. There is likely no chance to change this to a "with prejudice" dismissal and if you attempt to push the arbitration case, while very highly unlikely, the JDB COULD accept the case and still counter claim for the debt amount in the arbitration case. Take the W and celebrate. There is very little chance they will try to sue you again for this. Nice work!
  43. 3 points
    In 48 states, and NY is one of those 48 states, the debt persists after the SOL. Which means, they are permitted to try to collect the debt as long as they are clear they cannot sue you, or, if past the reporting date, they cannot report to the CRA. Some people feel guilty about walking away from their debts. They are hoping you will feel guilty, and pay them the money. Note that they still won't reinstate your AmEx card if you do pay them 55%. Ever. For the rest of your life. There are only two reasons to pay them anything: 1. You just feel SO guilty about walking away from a debt with the banksters you can't live with yourself, or 2. You work out an agreement that if you pay $X to AmEx they will reinstate your card. For most of us, the value of having an AmEx card isn't worth paying them off. Otherwise, round file this one.
  44. 3 points
    I don't. I disagree with @Goody_Ouchless take on defending yourself. He is right that PRA is not necessarily "out to get you", but I disagree that they are upstanding members of the business community. They are the lower end of business - the ones that prey on the scared, poor, people in hardships or those who just made mistakes by being irresponsible and uneducated on finances. They are the "slumlord" and scummy used car salesmen of banking. And you are not "the bad guy" for using the actual contract they wrote and bought to defend yourself against a mistake that you physically can't pay without harming yourself. You are using the laws and contracts to your advantage, the exact same way that those companies use the law and contracts to their advantage and sue people. They don't feel bad about suing someone in a desperate or impossible situation, so don't feel bad about using arbitration and forcing their hand into make a decision to drop your case and move on. It is just business and nothing more.
  45. 3 points
    Not sure if you're aware, but everything that you send to the JDB needs to be certified mail with return receipt. They can be pretty sneaky and claim that they never received it!
  46. 3 points
    In response to some of the comments above: Ohio is not a community property state. The 14 days in which to file objections starts with the issuance of the magistrate's decision. The magistrate's decision is a preliminary decision, and has to be approved by the actual judge to be final (at least with regard to the motion for a more definite statement). If you think filing objections is a losing battle, then don't file them. Not filing them won't hurt you if it's a losing battle, and no, it's not game over. If there is any doubt when the 14-day clock starts within which you need to file an answer to the complaint (14 days after the magistrate's decision or 14 days after the judge adopts the magistrate's decision), then do it earlier. You do need to file an answer, with an affirmative defense of lack of jurisdiction due to the arbitration clause, and a Motion to Compel Arbitration. Arbitration is the best way to beat JDBs. Filing an answer in Ohio does not waive your arbitration rights. Going farther, such as engaging in discovery, will do that. See Land v Byrider: https://law.justia.com/cases/ohio/twelfth-district-court-of-appeals/2007/2007-ohio-1222.html
  47. 3 points
    It is a scam. The entire script is almost verbatim what the scammers use. Should you call them they will tell you how you can resolve this today for "$400-600" and they want the money by prepaid debit or credit card so that the money can't be traced. DO NOT panic and pay. There is no such thing as a "deposition warrant" in the legal world. If you were being sued they would subpoena you to take a deposition but it is not a warrant. Second: there are no depositions in "pre-legal" matters. There has to be an active suit before a court will issue a subpoena for a deposition. "Documents have been forwarded" or "landed on my desk" is another giant red flag. The claim that you committed fraud, state/county/local authorities being involved is another warning sign. Notify friends, family and employers that you have been targeted by a scammer and to ignore it or tell them to pound sand. Once they figure out you won't fall for it they will find another target. Nothing to fear. No one is showing up. You aren't being sued and you are not going to be arrested.
  48. 3 points
    You need to read more about arbitration. Read the numerous threads here where others have used the MTC method in court. I've said it at least twice in this very thread now.... Your only "argument" is that you want this case moved to private arbitration per the card agreement. Period. That's all the judge is concerned with. Arbitration is a completely different entity that court. AFTER the court grants your MTC, then you file a case in arbitration. Ideally, you will file what is essentially a "lawsuit", but in arbitration AGAINST the JDB. You file claims against them as if you are the one suing them. It is up to THEM to bring up the debt. Until they file a counter claim in arbitration, anything they allege about a debt is moot (after a granted MTC). Do you see how this flips the roles? Everything about the alleged debt should be dealt with ONLY in arbitration. Therefore, you need to stop attempting to litigate the debt matter and ONLY start dealing with the MTC. All of your questions are answered in the sample MTC I posted. Your "arguments" for why you want arbitration are right there in that sample. You want it because 1. The contract allows it. 2. it is your right. 3. The supreme court of the USA says that it is your right if it is in your contract and you want it. Case closed.
  49. 3 points
    Yates is all over the map, but the only issue of substance is that the appeals court found that CACV did not provide enough evidence to allow the lower court to find that an agreement to arbitrate existed. It seems that a CC Agreement from the time in question, along with an affidavit, should be enough to clear all hurdles presented by this ruling.
  50. 3 points
    If something is not on your credit report, it does not exist as far as creditors are concerned. You really need to know the SOL for credit card debt before you go doing something that would restart that clock, which has likely expired by now.