1.) MBNA America Bank, N.A. failed to verify the alleged debt per Fair Debt Collection Practices Act
2.) MBNA used a Maryland-based law firm (Abramson Wolpoff) to bring first-action in Arbitration forum.
3.) MBNA obtained Arbitration Award BEFORE 30-day time of defendant to respond to such action
3.) MBNA used Buffaloe Associates of Nashville, Tenn to bring suit for debt collection of Arbitration Award
NOTE: Both AbramsonWolpof and Buffaloe Associates failed to verify the alleged debt per FDCPA.
4.) Tennessee and most other states require (e.g. via consumer-protection statutes) all first-actions to commence in the state of residence or state of signing of a contract.

In all instances, the above failed to communicate to my defenses, explanations, demands, and claims concerning the alleged debt. I have many, many, many USPS Return-Receipts to prove receipt of my correspondance of and to the above.