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Everything posted by nobk4me

  1. Read the thread by Fisthardcheese, that I linked in my reply above. That should answer a lot of your questions.
  2. Best info on arbitration: And, don't worry about the small claims language. You are being sued by a JDB in Ohio, where JDBs can't use small claims court. For a debt less than $1K, I doubt that the JDB will want to spend thousands of dollars in JAMS fees for this. I predict a dismissal if you file the MTC Arb. Check out threads by @MikeB35 for examples of winning MTC Arb.
  3. Right, but Discover ignored the election of arb and went ahead with the lawsuit. And it's not clear what the OP has done in response to the lawsuit.
  4. Is the OC Synchrony or Cap One? In your original post, you said Synchrony. In which case, arbitration is available and is the strategy you should use.
  5. Did you answer the lawsuit? Did you file a Motion to Compel Arbitration with the court? If you didn't do these things (and it sounds like you didn't), then do them NOW, and hope it's not too late. Just requesting arbitration isn't enough to stop a lawsuit. Even filing in JAMS won't do it. They will file the lawsuit anyway, and you need to answer it and move to compel the court to stay the case and refer it to arbitration.
  6. That should happen. but sometimes doesn't. But, if there is a hearing on your motion, I would stress this point, that you filed a motion, the plaintiff failed to respond to it, and therefore, the motion should be granted by default.
  7. This may not help with the debt case, but could you file a complaint against the dentist with a state licensing board, attorney general, or other consumer protection agency? Bad behavior by "professionals" should not, IMO, go unchallenged and unpunished.
  8. I would not bother filing a case with JAMS unless and until the MTC Arb is granted. If the arb motion is denied, you are just wasting your effort. Did you file the MTC Arb before the plaintiff filed for summary judgment? Could you move the hearing up, before June 13, on the arb motion? It would make sense to hear the arb issue first, before anything else, since it is challenging the court's jurisdiction. To successfully fight a SJ motion, you need to demonstrate a genuine issue of material fact that is in dispute. That you have their SJ motion and your arb motion both before the court at about the same time greatly complicates things. The only thing I can suggest is to object to their SJ motion as there is a jurisdictional issue before the court. This will be easier to do if you filed your arb motion first. @fisthardcheese, do you have any suggestions?
  9. To find card agreements: 1. 2.
  10. If you were not served, you should be able to get that judgment vacated for lack of service. I would suggest consulting with a consumer attorney.
  11. Who is the OC? Arbitration, if available, may be your best strategy.
  12. Your best strategy is arbitration. The OC here is Synchrony, which has an excellent arbitration clause. Find out more about arbitration here:
  13. And the best Plan B is arbitration, when it's available.
  14. Have you ever sent a DV letter, disputing the debt? That's what I would do.
  15. As I understand it, the OP doesn't owe approx. $1000, he is past due by that amount and the total outstanding balance is $6400. Is bankruptcy an option?
  16. I would consider it a win, and accept the dismissal without prejudice. It is very unlikely they would sue you again. If they do, then it's a matter of "rinse and repeat." You just file the MTC Arb again. Same thing if they sell the debt to another JDB. Rinse and repeat. And the SOL clock is ticking, and eventually the SOL will run out. I suspect other people here might urge you to push harder, and go for the with prejudice, off the credit reports, etc. But I take a more conservative approach. This is a WIN. You went from experiencing a hostile, pro-creditor court determined to slap you with a judgment to a dismissal. I wouldn't get greedy here.
  17. I would file a Motion to Compel Arbitration, ASAP.
  18. The blanks are from an earlier time before the cases were officially reported. You can google the case names and get the official citations. And you won't need the citations to slip op. then, either. That is also a reference to an opinion before it is officially published.
  19. As for recording, I think California is a two-party state. Both parties have to know it's being recorded.
  20. Sometimes they don't respond to the motion. Is the plaintiff a JDB? Their attorneys usually aren't legal scholars. They are used to easy prey, the default judgments, and responding to a MTC Arb is above their pay grade and skill level. If they don't respond to your motion, then your motion should be granted by default. Be sure to stress this in court. The court wouldn't give you a break if you failed to respond to a motion filed by the plaintiff, right? So they shouldn't get a break either.
  21. Another thought: I don't know how small claims in WI works; maybe @BackFromTheDebt can help here? But, now that you have had the first hearing, could you just go to the court clerk and file the MTC Arb now, instead of waiting for the next hearing? Maybe, in the future, in arguing the MTC, focus on the arb clause in the cardmember agreement, and that you elect arbitration, and all the case law (including the Supreme Court) that favors arb. Maybe challenging the court's jurisdiction (although a proper argument) is what ticked the magistrate off? Maybe made it seem too personal?
  22. Yes, it sounds like a pro-creditor court. One thing I thought might be going on in my case, where the magistrate was a POS jerk, was that they had some kind of deal going with the collection attorneys. The magistrate, who is not subject to the FDCPA, plays the bad guy, being rude and abusive, instead of the attorney, who is subject to the FDCPA. The magistrate does his dirty work for him. In fact, when I was called into the back room for the pre-trial, the attorney was already there, perhaps meeting with the magistrate beforehand, probably complaining that my discovery was killing their profits. (Which was the purpose.) Despite the magistrate's tirade, I filed some more discovery. Nothing wrong with that; when the creditor chose to use the courts, the rules apply to both parties. The plaintiff eventually dropped the case. So be aware of the bias, but don't let it get to you. I don't know Wisconsin law, but it sounds like, if you lose here, you can appeal and essentially get a do-over, with a real judge. And be aware that, if the magistrate is doing something unethical or illegal, there has to be some fear of exposure on their part. Sunshine is always the best moral disinfectant. I would push for recording or transcribing the next hearing.