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Arbitration or district court?

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It is generally considered that JAMS is better, as it costs the creditor more.  JAMS has clearly defined consumer protocols, which include a right to an in-person hearing in your location (which drives up costs for the creditor (travel costs for arbitrator)).  The most a consumer has to pay in JAMS arbitration fees is $250, and fee waivers may be available in some states.   Some have reported the  arbitrators are fairer in JAMS.

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