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  1. Sorry for double replying. Just want to be super sure about all of this. I should send the letter of arbitration you posted in the pin and then wait for a response from PRA. AND then file with AAA? It will take me about a week to have the 200 dollars to file which is why I'm asking.
  2. They (PRA) still haven't sent me a letter of anything. Should I wait for that to come then proceed with this?
  3. Okay, I have quiet a long story. But first a few things about myself, I am still in college in my last semester currently. This credit line is from PayPal Bill Me Later and they put me in the negative from a random charge back a year ago or so and ever since I was in the negative and had "bad standing" I was NOT allowed to transfer money to my account so I wouldn't be able to pay on that credit line. (I know this really doesn't matter but it's still good to know I feel.) So I just haven't been paying on this debt for about a year plus now. It's at 1.6k. This amount does NOT show up on my credit report at all and has never since I've been delinquent on my account. My student loans show up and my other line of credit that I actually pay off does show up as well. So the company that now owns my account is Portfolio Recovery Associates. But they haven't reached out to me yet. The only correspondence I have gotten is just Synchrony (old) letting me know that PRA (new) has bought my account. What should my next plan of attack be? I know I will at some point have to pay off this debt in some fashion but that will absolutely not be able to happen until I graduate from college next year or have some extra money after my financial aid comes in the fall. I'm just looking for some hands on advice, I can supply any info y'all need. Thank you!

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