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debtzapper last won the day on May 17 2020

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  1. Being sued by PRA in Tarrant County Texas.  Pre-Trial Mediation.  PLEASE HELP

    Here's the situation:

    I was served and after doing some research, I filed an answer letter.  I received a letter in the mail about a pre-trial mediation.  I attended but was unprepared because I didn't know what I was in for.  I requested a continence and the judge granted it.  I go to court on the 5th, which is in 6 days.  I've done a LOT of research, but I just would like some advice on my current plan.  I don't want to agree to any kind of mediation for fear that it will inadvertently admit that the debt is mine, and my main defense is the burden of proof that they will have to provide.  To my understanding, to prove that the debt is not only mine, but is the correct amount, they will need all the paperwork of every payment in the chain of documents.  

    My plan thus far is to make a motion of discovery.  See what ammo they have against me.  My questions: 

    1)Is that an admittance that can be used against me if we go to trial?

    2)I have some old documents regarding this CC debt, but obviously if I'm fighting it on the basis of them having to prove it, what do you think the pro's con's of revealing that.(I know that question might seem stupid, but I'm trying to get an idea of all aspects and scenarios)

    3)Should I just flat out refuse arbitration and go to trial?  When I was served, they provided no copies of any kind of CC agreement or any kind of supporting documentation

    4)I've been reading something about arbitration through "JAMS".  Would that be a good route?


    Thank you so much for any help you can provide.