Client is being sued for around $5500 by original creditor, Bank of America, in the Court of Common Pleas after falling behind on credit card payments. Client was served with the complaint in May 2021 and has not yet responded to the complaint, but opposing counsel has granted an extension to November 1, 2021, to respond to the complaint. An arbitration hearing is scheduled for December 22, 2021, at 2:00 pm. Defenses include failure to attach the agreement to the complaint. A volunteer is needed to assist client in responding to the complaint and further defend against the suit.