Do I have to pay the JDB filing fees? MIDLAND ARBITRATION

4 posts in this topic


First off, I would like to thank you all on here from the bottom of my heart. I have learned so much from this forum and it helped me get through the fear and shock that is getting sued by a JDB. I have learned so much.

Here is my info -

1. Who is the named plaintiff in the suit?

Midland Funding

2. What is the name of the law firm handling the suit? (should be listed at the top of the complaint.)

No firm, it's a single attorney handling this (can provide name if necessary) 

3. How much are you being sued for?

$1340.83 plus interest, court costs, attorney fees (works out to about~$2300 per the attorney)

4. Who is the original creditor? (if not the Plaintiff)

Citibank (Best Buy) 

5. How do you know you are being sued? (You were served, right?)


6. How were you served? (Mail, In person, Notice on door)

In person

7. Was the service legal as required by your state?

I think so

8. What was your correspondence (if any) with the people suing you before you think you were being sued?

Some letters, many phone calls

9. What state and county do you live in?

Southeast Michigan

10. When is the last time you paid on this account? (looking to establish if you are outside of the statute of limitations)


11. When did you open the account (looking to establish what card agreement may be applicable)?


12. What is the SOL on the debt? To find out:

6 years I believe for Michigan

13. What is the status of your case? Suit served? Motions filed? 

I submitted my answer to the Summons and Complaint (with the help of this forum!!) essentially denying all their complaints, listed arbitration as my first affirmative defense and filed a motion to compel arbitration and to stay proceedings pending arbitration

14. Have you disputed the debt with the credit bureaus (both the original creditor and the collection agency?)

Yes - collection agency; I don't think I did it for the OC

15. Did you request debt validation before the suit was filed? Note: if you haven't sent a debt validation request before being sued, it likely won't help create FDCPA violations, but disputing after being sued could be useful to show the court that you dispute the debt ('account stated' vs. 'breach of contract').

Not an official DV letter, but I did do a dispute with the credit bureaus (which in hindsight was probably a huge mistake because I'm thinking it is the reason why I got sued) 

17. What evidence did they send with the summons? An affidavit? Statements from the OC? Contract? List anything else they attached as exhibits.

Two account statements, three pages of account contract, Midland affidavit, one page of bill of sale of a "pool of accounts" from Citibank to Atlantic Credit and Finance along with affidavit, Certificate of conformity, Bill of sale for "purchased accounts" from atlantic Credit and Finance to Midland Funding, Page of supposed purchased accounts essentially blank but what looks like is supposed to be a ledger with the first line blacked out, Affidavit of transfer of accounts, certificate of conformity and the record of the last payment I made


I can provide my answer to the summons and complaint and my motion to compel arbitration if you guys want.

So I went to court yesterday for the motion hearing, of course had to get through Midland's lawyer trying to get me to settle and lying about how expensive arbitration is. He tried to tell me the cost would be split between us. I said nothing cause I knew it was a lie. He was a very good talker and I'm glad I did so much research on this forum cause I knew I would have folded if I didn't know better. When we got in front of the judge, the judge was very skeptical also saying it was expensive and took a long time. He asked me again if I was sure I wanted to do arbitration, I said yes. 

From what I understand, he didn't necessarily grant the motion YET, he told me I have to file first and come back in 2 weeks? 

I was reading the arbitration clause and it says I have a choice between JAMS and AAA. It also says:

"Whoever files the arbitration pays the initial filing fee. If we file, we pay; if you file, you pay, unless you get a
fee waiver under the applicable rules of the arbitration firm."

.....Maybe I'm over thinking this but I would interpret that to mean I have to pay for Midland's filing fees too since I'm the one filing for arbitration? 

Here is the language of the Arbitration clause in the Best buy card agreement:




So what do you guys think? Also, should I choose JAMS or AAA? Should I send in the filing fee with the consumer demand form or wait for them to ask for payment? 

Thank you again guys, you don't know how grateful I am for you all taking time out of your lives to help people like me!!

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You do not pay the JDB filing fees.  Just go to the arbitration websites and read the consumer rules.  It’s the business that pays the costs.  Your cost is limited to a filing fee of somewhere around $250.00.

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I filed with JAMS, and never sent any filing fees. I recommend that you just file and don't send any fees. They will ask for payment if necessary. It seems like the agreement says that they will pay fees if you ask. I would request that they pay filing fees when you send them notice.

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@matahari Congratulations on getting this far! Do you know if you may be eligible for court fee waiver due to indigency?

If you haven't read this pinned thread on arbitration, please do so. (Even if you have read it, reread it.) @fisthardcheese may have a different opinion, but since AAA will likely reject a claim with Midland as a respondant without a court order, and you don't have a court order yet, perhaps filing with JAMS would be smoother for you. 

"When filing arbitration, I very strongly recommend filing some claim against the JDB.  Remember that when you ask for arbitration and file it, you have now flipped the roles.  YOU are the "Claimant" and THEY are the "respondent".  This is essentially like you are now "suing" the JDB, only in arbitration instead of court.  Think of it just like that.  You would not file a lawsuit against yourself, so do not do it in arbitration.  I would never mention THEIR claims against me, nor the debt in any way.  Instead, I only file MY claims against the JDB.  Do not worry at this stage about the details of your claims because this initial claim is allowed to be changed, added to or dropped at any time before an arbitrator is assigned to the case (and even after, you can still make changes with the arbitrator's permission).  If you have nothing very strong with proof against the JDB, I would file with something such as "violations of state and federal consumer debt collection laws"  or perhaps, "Violation of the Fair Debt Collection Practices Act", etc.  Or even a simple "Billing dispute" will do if you have no violations of law against them. Again, it doesn't need to be more detailed then that at this stage and if your claims never pan out, you have the ability to drop them later (or you may find NEW claims to add if the JDB violates the laws during the ongoing case).

When sending in the Demand for Arbitration, I never send money initially.  If you are required to pay the $200/$250 consumer filing fee (or any portion of it), then the arbitration firm will tell you to submit that in order to continue.  They will never reject your filing, but will send you a case number and request for payment to move forward.  Having the case number is key evidence that you filed the case (which may be needed for Court later). If the Card Agreement states that "they" will pay for your filing fee, I will include a cover letter with my Demand form stating that per the Agreement you are asking the company to forward the consumer filing fee directly to AAA/JAMS.

Also when sending the Demand, I send it to AAA/JAMS and to the attorney for the JDB at the same time.  I send both CMRRR and retain the green cards.  Although the Demand Form instructions say that proof of service is needed, I simply include a "certificate of service" with my forms that states that I certify that I sent a copy to the JDB by USPS Certified Mail.  If there is ever a question about service after I file, I will have the green card to submit as proof if needed.

Remember, that this is now YOUR case against the JDB.  It will be up to the JDB to file a COUNTER CLAIM in arbitration for the alleged debt. . ."

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