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  1. They mention "A A Recovery Services" and say it's "a call from a debt collector."
  2. Searching the forums for "AARS", "AA Recovery Solutions" (as stated in an answering machine message I recently received), or even "Recovery Solutions" yielded zero useful results. The latter triggers a lot of hits for Portfolio Recovery Solutions, but the other search terms return zero results. I don't know what this agency is that called me. I'm just assuming it's a collection agency. Does anyone else know about AARS or had dealings with them?
  3. My son was served the summons in my absence. PA allows for that, I believe, since he is an adult and residing in my house. However, I did not read it personally because I rarely spend time at that house. Assuming that's no excuse for not being served, I guess I need to go to the court to get the details of the case and, once again, argue for a MCA.
  4. Online case lookup shows it as active right now where it was closed before.
  5. (Time goes by...) I had responded to the original complaint with a Motion to Compel Arbitration... then waited. About 15 days after the hearing date (which I did not attend), the judge dismissed it without prejudice. Two days ago, JHPDE reopens the same case and notes that they issued a civil complaint via hand delivery. I was not delivered any official complaint, the original one or this new one, by hand or any other means. The new hearing is after Christmas. Should I resend my motion to compel arbitration again? If I was never approached for the summons, what should I be looking for?
  6. I have been sued by JHPDE over a Citi card account they bought. Learned about it through an online case search, but I have yet to see a summons. A court hearing is scheduled for October 16 in a Pennsylvania municipal court. I was going over the arbitration clause of the card and I am somewhat unsure of its interpretation. At first glance, it seems that since the small claims case has been initiated, I cannot (or the case cannot) be transferred to arbitration. But later, it says that I can compel arbitration as long as the trial has not begun. Am I reading this correctly? I posted the text of the arbitration section below with concerned portions in italics. Thank you!
  7. I just received notice about a district court case against me. The plaintiff is "JHPDE Finance 1." I searched that name in these forums and there were no results. Anybody deal with these people in the past?
  8. I was reviewing papers sent by a JDB as proof of a debt. They highlighted final amounts on the last prepared OC card statement before charge-off. The full amount claimed by the JDB is about $2200 for principal and $2200 in interest and other charges that were accrued. With this in mind, should I target and negotiate a settlement amount based on the principal amount only, then offer for example, $1000 for settlement, as opposed to half the total amount principal and interest? Is there any success with others doing so?
  9. If they do refile, can I turn the tables and bust them for denying my right to arbitration? Also, what is it people sign when they open a charge account if it isn't a CC agreement?
  10. When I sent my notice to HH&L for JAMS arbitration to be used, I also noted that I dispute the debt. Today, I receive a packet from them with a bunch of printed out statements, a Bill of Sale for transfer to Midland, and a Statement of Conformity. An original signed account agreement was not present.
  11. OK. I had sent a short letter to HH&L stating that I dispute the claim and arbitration with JAMS is to be used. I also sent the court a MTC arbitration. The case with the court has been closed as "withdrawn." I assume HH&T is the entity that withdrew. Now what can I expect after this? Do *I* start arbitration, or do I wait to see if HH&L starts the process. All this time, the only evidence ever presented in the municipal court case was a single account number, and a dollar amount. No signed contract, statements, or even summary of charges/purchases totaling the claimed amount were ever submitted.
  12. OK. The only evidence they provided with their filing is a Confidential Information Form that states just the Financial Account Number ("FAN 1"). There is no SSN or other account information. There is also no exhibits or copies of anything related to the account. Again, this is a Municipal Court filing, not Common Pleas. Perhaps they don't need to provide such information. They could be setting a trap, tricking me into some kind of admission. With the account number, the best I can guess is it was a Care Credit account, based solely on copies of my ex-wife's records I still possess. The first eight digits of her Care Credit card match the account number on the Confidential Information Form. So I suppose my own defense for compelling arbitration is to use a generic Care Credit agreement and cross my fingers. One last question, the summons states that I must notify them if I plan on defending myself. If I'm compelling arbitration, do I answer YES to that question, include it with my MTC, or what?
  13. Also to note... the suit is in a Magesterial Court, not the Court of Common Pleas, if that makes a difference on what I can do in my defense.
  14. I thought that they may have combined them, too, but the total for all Synchrony accounts would be higher than the stated amount. I doubt they would reduce the amount they feel they are due. So unless I can get a copy of the confidential information on file, I'll have to be a little generic in my MTC. I saw online copies of their various Synchrony agreements at A random spot check shows they have the same arbitration clause in all the agreements I sampled, but they do specifically mention the store's name in the clause wording. Without knowing which store card it is, I can't provide bonified proof short of finding case law that says Synchrony's practice is to offer arbitration. Either way, I still need to take a shot at drafting my MTC.