Debt Arbitration is an alternative to trial that utilizes a neutral third party, or a panel of three, to resolve the merits of a dispute. Most credit card companies require arbitration for any disputes over debt.Draft a petition compelling for an arbitration. Many credit cards have arbitration clauses, so the debt buyer should not be suing in court anyways. Rather, they should be filing arbitration. Our Motion to Compel Arbitration is the best way to beat a credit card debt lawsuit. Many debt collectors will simply give up after receiving it. 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. If you fail to pay on your credit card debt in Florida, the creditor can take legal action against you to attempt to recover the money they are owed.