Well, I'm getting setup for another go around with court. This time I am up against Portfolio Recovery. I will save myself the headache and go straight to arb. This thread will contain any information for future searchers going through something similar in Ohio. JDB - Portfolio Recovery Associates State - Ohio Amount - 2,527.26 I am currently awaiting to  be served, I know it will be soon, as I have been keeping an eye on the court docket. It was filed on the 15th so I would