This is debt from 2002 and before. I have not paid on this debt since 2002, due to not being able to pay.
I am filing Chapter 7, and no fraud was involved. I didn't run up my Credit Card then file for Bankruptcy - I just got to a point that I could only pay my rent and utilities and food.
There is not prior arbitration or any judgements.
What would be the benefit for appearing for the arbitration
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