Picard v. Credit Solutions, Inc.
Court of Appeals for the Eleventh Circuit
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…
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