See a sample Answer Form for Consumer Credit Transaction. If you don't pay your bills, a debt collector may begin legal proceedings against you.Debt collectors can sue you in court to try to collect the debt. Debt collection arbitration is a process for resolving unpaid debt that is seriously, sometimes hopelessly, in arrears. It's up to the debt collector to start arbitration once is dismissed. Login to the DR Portal and select "File a New Arbitration Claim" in the left column. Customer: I am being sued for 3,400 for credit card debt. Should I compell a motion for arbitration? When someone sues you in a Pennsylvania Common Pleas Court, and the claim is less than a certain amount, the case may be selected for arbitration.