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  1. I'd like to know from the experts here on Creditcard agreements on how to interpret and what to expect from Crap1 (excerpt quoted below) since arbitration has been removed. I have a pair of their cards with approx $1700 on each, both of which were charged off Fall 2014. I successfully settled one for my wife (2.1k) for a quarter of the total, but this was back when I was relatively new to all of this. Since then I've amassed a wealth of information, documents, as well as a whole lot of knowledge, consider myself fairly well read thanks to this forum so I'm as prepared as well as one could expe