I got a phone call from RMA and the collecter I spoke with said that if I did not resolve my debt they will proceed with arbitration against me.
You need to speak with a consumer protection attorney ASAP. This debt collector could be violating federal law (i.e - TCPA, FDCPA) and a federal suit could be filed against them depending on the facts of your case. Generally, most attorneys offer a free 30-minute phone consultation.
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