Ok, got it. Let me preface my statements by stating that while I am from PA originally and am familiar with some of their laws, my specialization is in criminal law---so take everything I am telling you to a local attorney for verification of accuracy.


But my question is still about the "arbitration" part. The word arbitration implies two parties working together to achieve a mutually satisfactory agreement. Yet, the problem in this situation isn't really about the debt owed, is it? Isn't it about the harassment? They don't have anything with which to 'arbitrate'---you say they are committing a crime, harassing you, I don't understand how (criminal) harassment can be an element of arbitration (civil). Just out of curiosity, who told you that you had to go into arbitration and couldn't simply issue a lawsuit? What law was this stemming from?