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Okay I was served my papers on March 11th. I have also contacted the lawyer who is suing me and worked out a payment schedule for a settlement offer. How do I file an answer to the suit and what do I say in regards to the payment plan????

Here is the information on arbitration from the agreement I found online it is from 2014. So do I file the motion for private contractual arbitration with care credit or with PRA?? RESOLVING A DISPUTE WITH ARBITRATION PLEASE READ THIS SECTION CAREFULLY. IF YOU DO NOT REJECT IT, THIS SECTION WILL APPLY TO YOUR ACCOUNT, AND MOST DISPUTES BETWEEN YOU AND US WILL BE SUBJECT TO INDIVIDUAL ARBITRATION. THIS MEANS THAT: (1) NEITHER A COURT NOR A JURY WILL RESOLVE ANY SUCH DISPUTE; (2) YOU WILL NOT BE ABLE TO PARTICIPATE IN A CLASS ACTION OR SIMILAR PROCEEDING; (3) LESS INFORMATION WILL

I have received several letters from different attorney's stating that Portfolio Recovery Associates has filed in civil court against me. I have not been served yet, but I think the process server tried to do so earlier. I work from home so I do not answer the door when it is someone I do not know especially when I am home alone. They are suing me for a care credit account that was assigned to them for collections in Jan of 2014 for $928. I looked at my credit report and last date of payment to care credit was 5/2013. Can you please tell me how I need to proceed? I live in Harris Coun

I keep getting letters from lawyers stating that PRA has filed against me. I have not been served yet but found the case info on my counties court website. Do I need to call one of these lawyers or wait to be served??! I'm not sure what step I need to take.