I have read thru the threads and found it very knowledgeable. Thank you so much. The only question I have is: Where would I found my original card holder agreement ? Should I contact the original creditor ? Is there a website that has card holder agreements ? It’s for Fifth Third and I opened my account in 2016. My plans are to reply with MTC for Arbitration which will include my entire card hold agreement , a statue to reference and a sworn affidavit. I was served 3/5/2020 and plan to reply on Monday 3/9/2020.