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  1. I have been reading a lot of threads but I’m still new to this. So how should I respond? What should I say back to them in response? Do I simply state that I would like a private contactial arbitrations in Jams? thank you
  2. Hello I need help! I just received a summons from PRA LLC. They have 4 exhibits attached 1.evidence of account activity 2. Final statement before charge off 3. Account terms and conditions 4. Evidence of assigment they have a bill of sale attached but nothing specific that states my name or account number in the bill of sales. the original creditor synchrony bank/ amount approx 3800 help what do I do!!! How can I try and beat this. last payment was made in June of 2016.
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