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Arbitration is different from mediation, which is voluntary. Instead, arbitration is an alternative type of court, where the arbitrator renders a judgment. The debt collectors (and big money in general) like it because it makes it easier for them to get a judgment against you. It typically has easier rules of evidence and reduced discovery, and appeals are nearly impossible. So we generally suggest against it – to put it mildly. But if you happen to have everything you need, we still suggest against it because of its lack of “transparency” and the fact that arbitrators are often loyal to the debt collection side.
Defendant's/Debtor's Objection to wage Attachment, is the name of a paper I'm supposed to fill out for the Debtor's! Now in this paper it asks if I'm any type of public assistance, if I have no wages to report and other defense…..blank line! Are they trying to find out personal info, they want this 4 days prior to court and they want the court to have a copy of this too! How come there is no google search regarding FDCPA in Rhode Island! I see Michigan, Ohio ect, no Rhode Island, I know we are small but really!