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I know someone has experiene dealing with PRA. Care to chime in here? Do I just send a letter stating that I would like to go through arbitration or is this something I just tell them over the phone?
Arbitration is an alternative to civil action that is provided in some contracts.
It depends upon the terms of your contract with the creditor that created the debt.
I suggest going to the FTC web site and reviewing the article www.consumer.ftc.gov/articles/0161-debt-collection-arbitration