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  1. Just like they can say pretty please pay us forever, arbitration clauses are good forever too. If one of the debts they are in possession of had arbitration, well, you know what I would do. Stop pulling, or else. Won't pay the 6K fee to AAA or JAMS? Excellent choice. See you in federal court, where you get to explain to a judge why you refuse to abide by your own agreement. Bet they stop after that.
  2. Once one party invokes arbitration, they are accepting the rules of the arbitration forum. All the contract is good for at that point is to establish that a valid arb clause exists.
  3. What was the check for? The one you said you were waiting for. The other side (CU) is probably going to argue that you have already been compensated (at least in part) for the mistake. The only thing that is unclear is what happened to the money you originally paid them. Did they refund you?
  4. You open a case with JAMS online. Follow their instructions. Print out a few copies; one for Sprint and a couple of spares. JAMS will also contact them. That's basically all you have to do at this point. Proof of service can be a copy of a CMRRR you fill out to send your copy to Sprint.
  5. As for the credit bureau, we reached a deal right about the same time all of this happened. I am currently waiting on their agreement and check. What's this? You cannot collect twice for the same injury. That's called double recovery. In a breach suit, you generally sue for actual damages, which is money out of pocket. Generally speaking, punitive damages do not fall under the breach umbrella unless there is a clause in the contract setting an amount in case of breach. The nincompoop you hired should have told you this.
  6. Did you read the pinned topic? It tells you exactly how to do this and has the template. You should file for arb before submitting the motion, and attach a copy so they know you are serious.
  7. The laws are already in place; scammers don't pay any attention to them. These are usually boiler room operations run out of Buffalo NY. They use burner cell phones and hope somebody will be stupid enough to send them money; they usually want Green Dot, Cashapp, things like that. You'll never find them, and if you do they have no assets.
  8. You might want to call LDR in GA and ask them if they have been calling you. Somebody may be spoofing you using their identity. If that's the case, just block them, it's probably some outfit you'll never find. Even if you do, it would be a waste of time trying to sue a ghost.
  9. File for arbitration. CACH is not going to spend 5-6K in non-recoverable startup fees to chase a small loan.
  10. They have an arbitration clause; invoking it gets immediate results. I know; I threatened them with it and they had a tech at my house 2 days later. They will NOT spend 5-6K in non-recoverable startup fees over a small amount like this.
  11. Any information would be helpful too, but you didn't give us any.
  12. There is nothing in any statute that requires that you be nice to these idiots and give them time to fix all their mistakes; you did that already. That ship sailed; now it's time to torpedo their ship with a lawsuit. Both the FRCA and FDCPA provide for attorney's fees, so it shouldn't cost you anything.
  13. I'm planning to open a dispute and mention that statute of limitations has passed - is that a good strategy? Or should I try to send a debt verification request to CRAs, or something else entirely? None of the above. Debt validation requests go to third party debt collection companies and / or debt buyers only, per the FDCPA. As admin stated, the statute of limitations for filing a lawsuit has nothing to do with credit reporting. Read the FCRA; you need a valid reason to have something removed, backed up by evidence. "I want to buy a house" isn't a valid reason.

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