I received a claim from National Arbitration forum on the behalf of Credigy Receivables inc. This debt was charged off on March 31 2002 by MBNA and sold to a few different companies till Credigy bought it. I live in Ma. And my SOL is 6 years. I want to know how I can prove when my last payment was because when I asked MBNA they told me they don't have that information or so they say. Ive gotten some information on how to stop the arbitration, with a letter of refusal to arbitrate. But when I refuse to arbitrate Im sure they are going to file a claim with my local district court. And at that time I will be forced to prove that I'm past the SOL and if I can't they will rule in Credigy's favor. Could anyone tell me if the SOL stops when they file a claim or the date the judge sees the suit.

Thank You for any help anyone can give me on this problem

You of course have the right to normally refuse Arbitaration, and demand a court hearing if you so beleivev your rights would be better protected.

National Arbitration forum is basically a business, where you agree to give up your rights to court, for a binding arbitration agreement.

Also these "judges" will be retired judges normally or legal experts, and are not sitting judges in US courts.