I have no personal knowledge at all about the NV arbitration system. It could be that it's exactly as fair as the court system. I don't know. I believe from reading the rules that it is non-binding if you take it seriously, and if you follow the rules. I would consider it a chance to practice so I could see what worked. Then if I lost, I would look into using the non-binding nature of the forum to my advantage. Of course there are risks to that but this game is hardball, after all. (What are the risks? The obvious one is that the longer this goes on, the more the winning lawyer will charge in various fees and costs) It does seem that the opinion on what to do is related to the field of interest of the lawyer you contact. That may seem scary, but you could look at it as reassuring. I mean, they don't really know what to do either. That means whatever you choose to do might not be worse than their idea. Of course who knows, it could be. It is very sad that Americans are being pushed into bankrupcy over what really are trivial debts. There's no reason that ten or twenty thousand should be reason to BK for anyone. I think the real problem is the interest rate. And the fact that the payment based on that high rate must be too much for the person to deal with.
