Should I Settle or Let it go to Court?

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The Bureaus are the "owner" of the debt with Asset Recovery Solutions LLC acting as the collector.  I have the money to settle the debt but I am curious if I should just let this play out and attempt to fight it.  Within SOL still. Best Buy retail card. Never been in this situation before. Let me know what other information is needed for assistance. 


Thanks in advance!

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What is the general amount (rounded) that they claim is owed?

The Best Buy cards have a good arbitration clause in them.  Was Citi the OC on this card?

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