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  1. You're right, Fisthardcheese generally advises against filing arbitration before a lawsuit. In my particular case, however, things are different because I'm dealing with a Citi account (that has a small claims exception to arbitration in its agreement) and because the dunning letter from a local law firm means a lawsuit is imminent.
  2. Hi BV80, thank you for taking interest in my thread. As a scared but eager newbie who has scoured the pages of this forum (and know whose comments are more insightful and trustworthy than others) before uttering a squeak, I am honored to be in a dialogue with such knowledgeable and generous people like yourself and Fisthardcheese. Of course I'm not Fisthardcheese (although I wish I were given my situation), but if I understand Fisthardcheese correctly, he's NOT saying to include the demand wording for arbitration in the DV letter, but to send a copy of the Demand for Arbitration I've alr
  3. Thanks for your advice, Fisthardcheese. I will do just that. Tomorrow is exactly 30 days, so I will send the law firm a post-marked CMRRR DV letter first, and shortly thereafter I will send them the copies of my Demand for Arbitration with AAA. I can't thank you enough for taking the time to help consumers like myself get smart and empowered. I will keep you posted.
  4. Hi Fisthardcheese, Thanks so much for replying & offering your seasoned insights (you're so amazing I wish I could retain you as my lawyer!). My apologies for asking more novice questions, but to clarify: So if I understand you correctly, as I'm dealing with Citi account, I should file for arbitration without necessarily even asking for a DV from the law firm representing LVNV? Would it be sufficient notification, then, to inform the attorney for LVNV with a CMRRR'd copy of my Demand for Arbitration (as you advise in your Arbitration Strategy post)? In the meantime, wh
  5. Hi Fisthardcheese, First, I really appreciate all your insightful posts and advice--I'm a fan! I am new to the forum and am reaching out for some advice on what to do. I have 2 charged-off Citibank CC accounts that are now owned by LVNV funding. One is in the amount of about $9800 and the other $1900. I have received a dunning letter from a law firm (Harris and Zide) here in California. I have not been sued yet, but given that the law firm is local and I am very close to the SOL (in March 2019), I think it's a matter of time before I am sued. The strange thing is, I've only received the l
  6. Hi Gotasha, Thanks so much for sharing your arbitration journey. Like you, I am dealing with Harris and Zide in CA, and the JDB is LVNV. My debt is also a little less than $2K. Your story gives me hope that despite their rudeness and bravado, Harris and Zide/LVNV will not pursue such a small amount all the way through arbitration. I am wondering if you can share more about how you got to judicial non-binding arbitration. Is this what you asked for, and if so, at what point in the legal/court process did you do this? I ask, because I'm still within the 30-day response period where I c
  7. Hello Everyone, Like many, I have been closely following this forum for a long time, soaking in so much empowering and invaluable information. After wringing my hands and banging my head against the figurative wall in agony, I've finally mustered the courage to reach out to you in hopes that you can give me some advice. The JDB I'm dealing with is LVNV, and the law firm representing them is Harris and Zide. The OC is Citibank. I have not been sued yet, but I did receive a dunning letter dated 10/19/18. From the various posts I've read so far, it will be a matter of time before I receive a