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About MidFloridaLife

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  1. @admin Is my best bet just to settle at this point? Here is what the agreement says for arbitration: Covered claims • You or we may arbitrate any claim, dispute or controversy between you and us arising out of or related to your account, a previous related account or our relationship (called "Claims"). • If arbitration is chosen by any party, neither you nor we will have the right to litigate that Claim in court or have a jury trial on that Claim. Except as stated below, all Claims are subject to arbitration, no matter what legal theory they're based on or what remedy (damages, or in
  2. I am being sued by Cavalry for a Macy's credit card collection in small claims court. I went over the documents 4 times and there is no specified time frame for me to answer, which I find odd. I just received a summons to appear for a pre-trial conference 07/22/2021 either in person or via Microsoft Team. It is also states that my case "may be eligible to participate in Online Dispute Resolution as a way to resolve this matter" by emailing the court no later than 14 days prior to the scheduled conference. I looked at the credit card agreement, and it has the small claims/arbitration claus
  3. I'd love to do that, but I still fail to understand the nuances of the process. I reread the main thread about the arbitration process and how to do it, but the legal language it uses lost me (English is my second language). I'll do more research as I still have 2 weeks to respond. Right now I find it completely overwhelming...
  4. I'm unsure I am going to go the arb route. I've read several pages about it, and I don't think I am grasping the process/steps remotely well enough to do a decent job at it. I just had a free consultation with an attorney, who told me I could not do arbitration because it's not in small claim court 😒. I told her I was not referring to mediation, but she insisted. We have other debts/collections, but we cannot file bankruptcy without losing my paid-for car, which I need. I called their Synchrony's attorney's office out of curiosity. I threw $100/month at them, only to be told th
  5. The plaintiff stated on the summons is Synchrony, no other names.
  6. Just checked the 3 credit reports. The account has not been sold. I'm afraid I am out of options...
  7. 1. Who is the named plaintiff in the suit? Synchrony Bank 2. What is the name of the law firm handling the suit? (should be listed at the top of the complaint.) Rausch Sturm 3. How much are you being sued for? $9219 4. Who is the original creditor? (if not the Plaintiff) Synchrony Bank (JcPenney) 5. How do you know you are being sued? (You were served, right?) Served 6. How were you served? (Mail, In person, Notice on door) Served to my husband 7. Was the service legal as required by your state? Yes 8. What was your correspondence (if any) with the people sui