Turner is inapposite.
"Stephen P. Turner sued a debt collector, J.V.D.B. Associates, Incorporated, alleging that J.V.D.B. violated the Fair Debt Collection Practices Act, 15 U.S.C. §§ 1692e and f, by attempting to collect a $97.80 debt that had been discharged in bankruptcy. The district court granted summary judgment to J.V.D.B. on the ground that the debt collector was unaware of Turner's bankruptcy as a matter of law. For the reasons set forth below, we reverse and remand as to § 1692e and affirm as to § 1692f."
"A demand for immediate payment while a debtor is in bankruptcy (or after the debt's discharge) is "false" in the sense that it asserts that money is due, although, because of the automatic stay ( 11 U.S.C. § 362) or the discharge injunction ( 11 U.S.C. § 524), it is not. 3A debt collector's false statement is presumptively wrongful under the Fair Debt Collection Practices Act, see 15 U.S.C. § 1692e(2)(A), even if the speaker is ignorant of the truth; but a debt collector that exercises care to avoid making false statements has a defense under § 1692k(c). 2Two recent decisions of this circuit arising out of postbankruptcy demands for immediate payment illustrate how these provisions of the FDCPA work. Turner v. J.V.D.B. Associates, Inc., 330 F.3d 991 (7th Cir. 2003); Hyman v. Tate, 362 F.3d 965 (7th Cir. 2004)."
Neither case has anything to do with arbitration. The case I cited does, it is clearly on point.