Have not been on here in a while. Last time it was defending against Midland Funding. Arbitration WORKED 100% to get it to Non-Suit. Today Cavalry Law on Behalf of CITI Bank sent me a letter w/ a courthouse ruling of non-suit. I didn't even get served to go to court. All I did was write a professional letter and had it certified at the post office. I think certifying helped. I owe everything to this forum before beating Midland, and today was just a reminder of how we can overcome these scumbag debt collectors, we just have to be PRO ACTIVE 
Anyway just wanted to check back in!
-C