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My guess is that you were contracted with Midwest, Mega, or United American. If so, you might as well chalk this one up to experience. They will continue to hound you for payment and there is nothing you can do about. Unless you had an agreement with them in writing, they will not honor it...

A judgement has been entered against me by the National Arbitration Forum. I realize that this is a sham operation which basically rubber-stamps awards on behalf of the financial services industry. However, until the law is changed, their judgements will hold up in court. I live in Louisiana...