Re: National Arbitration Forum against me

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The first thing to do is to challenge the ruling. Normally,
you'll have 30 days from receipt of the notice of award to
make a challenge. If this 30 days has not expired, then all
is not lost. There are most likely other grounds that you
could challenge the ruling on.

For instance, did you file any kind of fraud alert per the
illegal overuse of your card? If you did, and the NAF did
not take that into account in their hearing, then youmight
have a case that the NAF showed undue partiality to the
people tying to get money from you.

A couple other things:

The NAF is known nationally a a rubber stamp arm of a
handful of credit card companies and debt collectors.

The system works thus: The credit card companies include a
controversial arbitration clause in their credit card
agreements that says all disputes must be arbitrated byt the
NAF.

Then, when there is a dispute, the credit card company
essentially buys a certificate from the NAF stating that the
credit card user is at fault and owes the money.

However, the NAF is not a court of law, so the credit card
company then has to take that award to a court to have them
enforce it.

It sounds as though you're somewhere about here in the
process.

If I were you, I'd challenge the NAF's contention that there
ever was an agreement between you and the company to
arbitrate the dsipute. There are various documents that tey
MUST produce, particularly if you demand them, or they can
not get the award enforced.

One of these documents is a binding contract between you and
them to arbitrate disputes.

My guess is that none such exists.

Get Angry! and fight back.
On 7/19/07, Melanie wrote:
> Unfortunately I used poor judgment and let a relative use
> my credit card. He filed for bankruptcy and I am left with
> his debt. I am on disability and cannot pay . I do not own
> a house or a car. I have 175.00 in savings and receive
> 600.00 a month. Recently the National arbitration ruled
> against me in the amount of 38,000. What can they do to
> me? Do I have to file for Bankruptcy? I really can’t
> afford to pay a bankruptcy Lawyer. Any advice would be
> appreciated. I live in the state of New York. Thank you
>