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  1. Isnt the arbitration agreement between myself and Synchrony ? not myself and Midland? I'm just trying to get my ducks in a row before moving forward.
  2. They did provide a copy of my last Art Van Statement. I also called Art Van and they said Midland is collecting for them.
  3. SWEET THANKS !!! If they dont arb. do they remove from CR? Will this work for other accounts that are charged off? Amazon and BofA. Neither are in active collection, however.
  4. I found this: https://www.jamsadr.com/about/submit-a-case Only print and mail. Is this what you were talking about? Arbitration.
  5. the envelope they used also is not post marked.... I just checked.....
  6. Of course I get a letter in the mail today dated 5/24 stating I have until 6/18 to respond or they will file with an attorney. I found: https://www.jamsadr.com/about/submit-a-case And I would have to mail in an arb form. Is this accurate?
  7. I did however find a CC Agreement for Art Van and SYNCHRONY BANK: Governing Law for Arbitration This Arbitration section of your Agreement is governed by the Federal Arbitration Act (FAA). Utah law shall apply to the extent state law is relevant under the FAA. The arbitrator’s decision will be final and binding, except for any appeal right under the FAA. Any court with jurisdiction may enter judgment upon the arbitrator’s award.
  8. I do not have a copy of the CC agreement. I only have a copy of what the CA sent.
  9. What is AAA or JAMS? Open a case? What type of case?
  10. Yes I am within SOL. and Yes I can settle for more than 25%, I just wanted a negotiating starting point.
  11. Do they entertain settlement offers then?
  12. Of course right before I get approved for a new home loan here comes Midland putting a collection on my report. Its like they have spidey sense.... Anyway, MCM is collecting $3938.25 on a $5307.99 Orig. Balance. I was paying Atlantic Credit bi-weekly until I had fraud on my debit card and needed to cancel it and re-issue a new card number. I kept forgetting to contact them back.... I know I screwed that up. So now I owe $3.9k and wanted to do a PFD with them. Im in Michigan and from what I can tell on my reports last payment was 6/2015. They havent sued yet, so I'm trying to avoid that. Anyone had any success with MCM in PFD? If so, what percentage?
  13. I would purchase a brand new vehicle with the left over money. A local dealership has Terrains and Acadias priced under $30k AWD. Not the same class as the Tahoe by any means.... but brand new

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