Legal Opinion

Picard v. Credit Solutions, Inc.

Court of Appeals for the Eleventh Circuit

Decided April 6, 2009No. 08-11104PublishedCited by 25 opinions

1Per curiam

This appeal presents the question of whether claims brought pursuant to the Credit Repair Organizations Act (“CROA”), 15 U.S.C. § 1679 et seq., are subject to arbitration. The district court held that the statute precludes arbitration. We disagree.

I. FACTUAL AND PROCEDURAL BACKGROUND

Credit Solutions, Inc., a/k/a Credit Solutions of America, Inc. (“CSA”) is a debt settlement company that negotiates with unsecured creditors on behalf of its customers to lower the customers’ debt loads and monthly payments. Facing unsecured credit card debt, Elizabeth Picard (“Pi-card”) 1 contacted CSA via…

2Cases cited19 opinions

  1. Moses H. Cone Memorial Hospital v. Mercury Construction Corp.Supreme Court of the United States · 1983
  2. Mitsubishi Motors Corp. v. Soler Chrysler-Plymouth, Inc.Supreme Court of the United States · 1985
  3. Dean Witter Reynolds Inc. v. ByrdSupreme Court of the United States · 1985
  4. Gilmer v. Interstate/Johnson Lane Corp.Supreme Court of the United States · 1991
  5. Rodriguez De Quijas v. Shearson/American Express, Inc.Supreme Court of the United States · 1989

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3Cited by25 opinions

  1. Barbara Elizabeth Lawson v. Life of the South Insurance CompanyCourt of Appeals for the Eleventh Circuit · 2011
  2. Solymar Investments, Ltd. v. Banco Santander S.A.Court of Appeals for the Eleventh Circuit · 2012
  3. United States v. Graciela Zuniga-ArteagaCourt of Appeals for the Eleventh Circuit · 2012
  4. Greenwood v. CompuCredit Corp.Court of Appeals for the Ninth Circuit · 2010
  5. In re: Robert A. Alexander and Gloria J. AlexanderUnited States Bankruptcy Appellate Panel for the Ninth Circuit · 2012

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