Court date but have not been served

That is not a court hearing. Arbitration is a proceeding in which a dispute is resolved by an impartial adjudicator whose decision the parties to the dispute have agreed will be final and binding. It is basically done outside the courts and if I am not mistaken is pretty hard to beat. If it is a binding arbitration, you give up your rights to a fair trial in a court. It would tell you in the original credit card agreement if it is Binding or non-binding.


If I am wrong someone please correct me. I Think you may want to remove your name from that bank account also and just leave your wife's name on it. A credit card company cannot garnish your wages in Pennsylvania, if you live and work in PA. Under Pennsylvania law, garnishment of wages can only occur in limited circumstances, and a Credit Card Company does not meet those circumstances.

On the other hand, a Credit Card Company can garnish your bank account, including wages that are deposited there, IF they first obtain a judgment against you in a Court of Law.