A Fourth Circuit panel affirmed the denial of a motion to compel arbitration, finding that the law firm and debt collector who sought to compel arbitration of a class action had waived the right to arbitrate by previously initiating collection actions against the debtor plaintiffs in state court. Roper v. Oliphant Fin., LLC , No. 24-1933, 2025 WL 2058806, at *1 (4th Cir. July 23, 2025).

In 2016, the plaintiff, Thelma Roper, obtained a loan and signed a loan agreement requiring arbitration of disputes. Roper v. Oliphant Fin., LLC , Civ. No. 23-2112-BAH, 2024 WL 4170921, at *1 (D. Md. Sept. 12, 2024). After Roper defaulted on the loan, Oliphant Financial, LLC (“Oliphant”) brought a debt collection action against Roper in Maryland state court. 2024 WL 4170921, at *1. The state court dism

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