Thank you both for your input. I have read several posts with @texasrocker and I have the general denial answer ready to be mailed but I'm a little confused on the answer from @Clydesmom to The easiest way for you is that you notify the attorney named in that suit that you are electing JAMS arbitration per the terms of the contract agreement (I noticed they referenced Synchrony) and then in your answer you deny owing PRA anything, that you have never had an account with them or made payments to them, and that if the alleged account is governed by a Synchrony card agreement you are electing