i just got a letter from the national arbitration forum saying that they made a decision in favor of wolpoff and abrahamson in the amount of $10,000 again me and that this case is closed through the forum and any contact should now be between me and wolpoff and abrahamson. the amount of debt that i had on my credit card was probably in the $4,000 range and that was maybe 5 years ago.
1. What does this mean?
2. there is no way that I can pay $10,000 and i mailed wolpoff and abrahamson a letter saying I would pay $300/month for a year to settle this and i have gotten no response.
can they garnish my wages or freeze my bank account?
any suggestions on what I can or should do?

