MEMORANDUM OPINION AND ORDER
WILLIAM M. ACKER, Jr., District Judge.
Before the court is the motion of defendant, Credit Solutions, Inc. ("Credit Solutions"), to dismiss this action or, in the alternative, to compel arbitration. Elizabeth Picard ("Picard") was the originally named plaintiff. However, Thomas E. Reynolds ("Reynolds"), the trustee of Picard's bankruptcy estate, was later substituted as the proper party plaintiff.
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