Debt collectors like LVNV and Credit One win by intimidation, confusion, and hoping you don’t know your rights. But when you elect arbitration under the Federal Arbitration Act, the entire case flips in your favor. This strategy destroys most debt collector lawsuits because they can’t afford to fight you in arbitration. If you’re being sued, comment the name of the collection agency or credit card company and I’ll explain exactly what you should understand next. I am not an attorney, accountant,