When Justice Delayed Starts to Look Pretty Good

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Big businesses have long argued that arbitration is cheaper and quicker than lawsuits for resolving disputes. That’s why they now force customers to waive their constitutional right to sue every time they get a credit card or buy a computer and submit to private arbitration for any future conflict resolution. Now comes the consumer group Public Citizen with a new report on how consumers actually fare when they face off with credit card companies, the major purveyor of arbitration agreements.

As it turns out, arbitration is almost never used to “resolve” a dispute. Instead, credit card companies are using arbitration as a sneaky and unaccountable way to collect debts from overextended customers, even when those customers have been the victim of identity theft or billing errors. In 34,000 cases Public Citizen reviewed, arbitrators (all hired by the credit card companies, of course) ruled against consumers 90 percent of the time, to the tune of $185 million.

Public Citizen’s most intriguing finding, though, was the case of arbitrator Joseph Nardulli, who, in a single day, resolved 68 cases—one every seven minutes— all in favor of the credit card companies who hired him. Now that’s swift justice!

SIX TRUTHS

Reclaiming power from those who abuse it often starts with telling the truth. And in "This Is How Authoritarians Get Defeated," MoJo's Monika Bauerlein unpacks six truths to remember during the homestretch of an election where democracy, truth, and decency are on the line.

Truth #1: The chaos is the point.

Truth #2: Team Reality is bigger than it seems.

Truth #3: Facebook owns this.

Truth #4: When we go to work, we're in the fight.

Truth #5: It's about minority rule.

Truth #6: The only thing that can save us is…us.

Please take a moment to see how all these truths add up, because what happens in the weeks and months ahead will reverberate for at least a generation and we better be prepared.

And if you think journalism like Mother Jones'—that calls it like it is, that will never acquiesce to power, that looks where others don't—can help guide us through this historic, high-stakes moment, and you're able to right now, please help us reach our $350,000 goal by October 31 with a donation today. It's all hands on deck for democracy.

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SIX TRUTHS

Reclaiming power from those who abuse it often starts with telling the truth. And in "This Is How Authoritarians Get Defeated," MoJo's Monika Bauerlein unpacks six truths to remember during the homestretch of an election where democracy, truth, and decency are on the line.

Truth #1: The chaos is the point.

Truth #2: Team Reality is bigger than it seems.

Truth #3: Facebook owns this.

Truth #4: When we go to work, we're in the fight.

Truth #5: It's about minority rule.

Truth #6: The only thing that can save us is…us.

Please take a moment to see how all these truths add up, because what happens in the weeks and months ahead will reverberate for at least a generation and we better be prepared.

And if you think journalism like Mother Jones'—that calls it like it is, that will never acquiesce to power, that looks where others don't—can help guide us through this historic, high-stakes moment, and you're able to right now, please help us reach our $350,000 goal by October 31 with a donation today. It's all hands on deck for democracy.

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