Hi, all! I’m new here and so I’m sorry if this has been answered indirectly already. So many of these are case by case scenarios so I didn’t want to assume that all the answers were relevant to me.
Calvary SPV has been coming after me for what they say is a 2k debt. They have retained Gurstel Law Firm to try and collect. I received the 30 debt validation letter and in response I have sent them a certified letter stating that I dispute their claim. I fear litigation is inevitable.
It is stated on their original letter that Comenity is the original creditor. Is arbitration the best way to go about this? Is there anyone with enough legal vocabulary to tell me if this would be a safe route?
Thank you in advance. This community has already been so helpful. 