MEMORANDUM OPINION
PAYNE, District Judge.
This matter is before the Court on Defendant WOLPOFF & ABRAMSON, L.L.P.'S MOTION TO COMPEL ARBITRATION (Docket No. 21). For the foregoing reasons, the motion is DENIED.
STATEMENT OF FACTS
Robin Karnette and Diane McIntyre were issued credit cards by MBNA America
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