Been searching the forum for an answer (thank you for all the info) and have a question.
I had a Citibank credit card account opened in 2011 that was kept current and paid until around 09/2018. A couple months prior I was no longer able to work due to a disability worsening and had filed with the Veterans Administration for a disability increase (which a year later I was rated 100% P&T disabled). My monthly income dropped to $1200 a month and could not afford to pay Citibank. I called and asked for either a lower payment or a temporary deferment until my VA increase was determined. They basically told me it was my problem not theirs, so without any income besides VA Disability, I was unable to pay them.
Fast forward to 07/15/2019 Citibank received my certified letter that I mailed on 07/10/2019 stating that I was electing arbitration in regards to the account. The next letter I received from Citibank dated 07/24/2019 said the account had been sold to Calvary SPC. In August Calvary sent me a letter saying they had bought the account and I owed them $2709. They sent me a copy of a Citibank 08/2019 invoice as proof of debt but not a copy of the signed original contract. I mailed Calvary a copy of the letter I sent to Citibank electing arbitration via certified return receipt mail. I heard nothing from Calvary but I heard from their Virginia lawyers in January along with a summons set for 03/02/2020. I proceeded to also send them a copy of my original letter to Citibank. I know my question is last minute but I have some memory issues and blanked until I found the warrant the other day.
Here's my question. Since Citibank received my election to arbitrate before selling the debt is Calvary required to honor that or am I screwed at my court appearance on Monday. Should I tell the Judge I want to go to trial? or can I get it dismissed because I elected arbitration with Citibank before the debt was sold.