Learn about how alternative dispute resolution provides arbitration, mediation, and business mediation services to the Court. Apply to your account, and most disputes between you and us will be subject to individual arbitration.This means that: (1) neither a court. Most credit card companies require arbitration for any disputes over debt. You have 28 days to respond to a debt collection lawsuit in Ohio, and there is no fee to file. Penney branded Synchrony Bank card, owing the debt or that she failed to pay the amount due. This page provides information about the AAA's administration of consumer arbitrations and links to a number of relevant documents and Rules. 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. Arbitration is a form of dispute resolution that leaves the resolving up to an independent third party instead of a judicial court.