Hi everyone!
I have Midland harassing me at this point about a synchrony bank credit card. They sent me 2 pre legal letters so far and honesty don’t know what to do. I read about arbitration but does it really work? The amount owed is around $14,000. How should i proceed? Should i send something about arbitration or should i wait to go to court? Also made the mistake where i did speak to them and they are manipulative, threatening, and use foul language - wrote down everything just in case i need it.