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Weltman trying to collect on an old Chase Acct for Midland

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For my wife, things keep getting better. On Saturday, Weltman sent a collections letter threatening legal action if she does not pay on an old Chase card for the benefit of Midland.


Given the acount they are claiming $1,900, I am writing them back with a demand to compel arbitration. I do not need my wife going back in front of this same judge who is looking like he is going to dismiss a separate case. This will make her look bad and this judge might not be as opened-minded with her against Midland.


Now, I need a copy of the Chase Terms from 2008 showing the arbitration clause. Anyone have it?

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 The party filing a Claim in arbitration must choose one of the following two arbitration administrators: American Arbitration Association; or National Arbitration Forum. These administrators are independent from us. The administrator does not conduct the arbitration. Arbitration is conducted under the rules of the selected arbitration administrator by an impartial third party chosen in accordance with the rules of the selected arbitration administrator and as may be provided in this Arbitration Agreement Any arbitration hearing that you attend shall be held at a place chosen by the arbitrator or arbitration administrator within the federal judicial district in which you reside at the time the Claim is filed, or at some other place to which you and we agree in writing. You may obtain copies of the current rules of each 01 the two arbitration administrators, information about arbitration and arbitration fees, and instructions for initiating arbitration by contacting the arbitration administrators as follows: American Arbitration Association, 335 Madison Avenue, Floor 10, New York, NY 10017-4605, Web site: www.adr.org,800·778·1819; or National Arbitration Forum. P.O. Box 50191, Minneapolis, MN 55405. Web site: www.arbitration-forum.com. 800-474-2311.



Costs, We will reimburse you for the initial arbitration filing fee paid by you up to the amount of $500 upon receipt of proof of payment Additionally, if there is a hearing, we will pay any fees of the arbitrator and arbitration administrator for the first two days of that hearing. The payment of any such hearing fees by us will be made directly to the arbitration administrator selected by you or us pursuant to this Arbitration Agreement. All other fees will be allocated in keeping with the rules of the arbitration administrator and applicable law. However, we will advance or reimburse filing fees and other fees if the arbitration administrator or arbitrator determines there is good reason lor requiring us to do so or you ask us and we determine there is good cause for doing so. Each party will bear the expense of the fees and costs of that party's attorneys, experts, witnesses. documents and other expenses, regardless of which party prevails,

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At one time, NAF was no longer arbitrating credit card disputes.   They were sued because of their tactics.   You need to find out if they're even available now.  If the account defaulted after 2008, check the agreement for year the account went into default or was charged off.  If it includes JAMS, that forum would be best.  Linda7 has stated that it's the most debtor-friendly forum.

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