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Hi everyone, I have read through the steps to arbitration and I finally feel like I am getting a grasp of things.I have been doing lots and lots of research and everything I read tells me that this DC Law firm is horrible to work with. I received a dunning letter and I responded with a letter CMRRR that I disputed the debt, and would like to use arbitration via JAMS per my cardholder agreement. I received 2 statements (random months) and an affidavit of the creditor that after looking online sounds like a generic one that they send everyone. The letter said that I will be please that they enclosed 1) Affidavit of the Creditor (the creditor has requested suit on this account and the affidavit has been provided for suit purposes. We are providing you a copy of this affidavit for verification purposes. At this time a suit has not been initiated. 2) Billing statement This validated the debt and we have been instructed to proceed to collect unless satisfactory repayment arrangements have been made. I have 2 questions. Should I respond that I still dispute and my election for JAMS still stands and should I file with JAMS now? I also read about robo signers. does this sound like the case and how would I find out? Thank you everyone!