Filing Arbitration after court date

[mackied]

Hello,

I am new to this forum and so glad I have found. I have been reading through the board but havent been able to go about filing my arbitration. I was served papers back in April for a court date of 8/3/2018. I decided to call the company and settle. I wish I didn't after finding about this information later. I have made one payment to Portfolio recovery for this account from Synchrony bank. Am I still able to file arbitration? When i check the court records online it says a copy of the judgement was sent to both parties but I never received it. How do I go about this.

I also have another account with portfolio recovery services for synchrony bank/walmart. I haven't been served papers for this as yet. Can  I go ahead and file arbitration for this?

Also, how do I find a copy of the consumer agreement? I do not have any old statements. Is it possible to do so online. Any information would gladly be appreciated. Thank you

[mackied]

@fisthardcheese I was told to ask you for help on this matter. Any information would be appreciated. Thank you.

[fisthardcheese]

On 11/15/2018 at 12:11 PM, mackied said:

Hello,

I am new to this forum and so glad I have found. I have been reading through the board but havent been able to go about filing my arbitration. I was served papers back in April for a court date of 8/3/2018. I decided to call the company and settle. I wish I didn't after finding about this information later. I have made one payment to Portfolio recovery for this account from Synchrony bank. Am I still able to file arbitration? When i check the court records online it says a copy of the judgement was sent to both parties but I never received it. How do I go about this.

I also another account with portfolio recovery services for synchrony bank/walmart. I haven't been served papers for this as yet. Can  I go ahead and file arbitration for this?

Also, how do I find a copy of the consumer agreement? I do not have any old statements. Is it possible to do so online. Any information would gladly be appreciated. Thank you

If you agreed to a consent judgement and are making payments on it, there is really nothing arbitration can do for you at that point.  You must pay it or they will file the judgement with the court that you already signed. 

With the other account that has not gone to court yet, I would wait to see if they sue you first.  After being served, I would answer the lawsuit denying all allegations and then also file a MTC to ask the court to move the case to arbitration per the card agreement.

For Synchrony, you can google the card agreement pretty easily.

[mackied]

7 hours ago, fisthardcheese said:

If you agreed to a consent judgement and are making payments on it, there is really nothing arbitration can do for you at that point.  You must pay it or they will file the judgement with the court that you already signed. 

With the other account that has not gone to court yet, I would wait to see if they sue you first.  After being served, I would answer the lawsuit denying all allegations and then also file a MTC to ask the court to move the case to arbitration per the card agreement.

For Synchrony, you can google the card agreement pretty easily.

Thank you for your help. Is it still advisable to do a pay for  delete agreement. When I call they say they can only do this over the phone they can not send out a letter. Should I try contacting them by mail to see if they will set up a pay for delete that way? I am trying to clean up my credit.

[fisthardcheese]

On 11/17/2018 at 8:34 AM, mackied said:

Thank you for your help. Is it still advisable to do a pay for  delete agreement. When I call they say they can only do this over the phone they can not send out a letter. Should I try contacting them by mail to see if they will set up a pay for delete that way? I am trying to clean up my credit.

You can try, but I am very highly doubtful that they will agree to it.