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Sued by Midland in Texas Justice Court


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Hello all! 

I was served today for a lawsuit in JP court in Texas. The issue I am having is they have 4 accounts from different store cards but all are originally Comenity Bank, and they are lumping all 4 accounts into one lawsuit. One, I didn't realize they could do this, but two it makes the total of all accounts about 11K. Is it worth compelling arbitration on this amount or should I try to defeat it in court? I only have 14 days to answer so I am on a time crunch and need help ASAP. 

Thank you for any advice you might be able to give! 

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