See a sample Answer Form for Consumer Credit Transaction. If you prove your defenses then the plaintiff will lose and you will win the case.Below are examples of defenses to a debt collection case. 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. In arbitration, both sides explain their perspectives, present documents and witnesses, and an arbitrator weighs the evidence and makes a decision.