[LUKE2447]

In my cases this is what happened.



Send letter to Dispute the account asking for documents of the alleged debt. Requesting ceritifed verifiable documents.... with FDCPA and FCBA language.

Presettlement notice with abritration language

Settlement $10.00 arbitration clause etc.. with other l anguage of agreement that I owed nothing in original.



Result possible arbritration if they don't follow the settlement agreement. Which they always cash. Usually they drop the whole thing.





I have had two sent to local courts. Started discovery and questioned jurisdiction as it was a Federal issue not a state issue due to original Dispute with FDCPA and FCBA. Lawyer has not heard from them in over a year.

Note: the arbitration clause is fairly new and has not been used by me as of yet as I have not had to. $250 retainer fees on the case.

This accounts for 10 credit cards.



This has been my experience!