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About k3y1

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  1. Hello all, as the tittle said, may I ask whether debt collectors, such as PRA, Calvary... who hire lawyers represent themselves can sue me in small claims court in California? The amount is around $4000. I was surfing on google and found this information below Source: https://www.scscourt.org/self_help/small_claims/small_claims_overview.shtml Because collection agencies hire third-party law firms or local lawyers to file a lawsuit, the case would go to civil court. Am I correct? Any help would be appreciated .
  2. Hello all, Please forgive my English. I got notification of intention to incur court costs by filing suit from Portfolio recovery associates. The original creditor is Citibank and the balance was ~$4000. " I'm living in California. Am I able to file MTC ( Arbitration) if I get sued by this JDB? I'm asking because the amount is under $7500, which will be filed in a small claim court. Also my credit card is Citi Dividend visa ( card member since 2011) and I'm not able to find agreements from the link below: https://www.consumerfinance.gov/credit-cards/agreements/issuer/citibank/ I skimmed Citi similar cards' agreements, like rewards cards, and there is a line : "Individual Claims filed in a small claims court are not subject to arbitration, as long as the matter stays in small claims court." Any help would be appreciated.