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.See a sample Answer Form for Consumer Credit Transaction. Debt collection arbitration is a process for resolving unpaid debt that is seriously, sometimes hopelessly, in arrears. Many Americans who are sued for credit card debt utilize a Motion to Compel Arbitration to push their case out of court and into arbitration. In arbitration, both sides explain their perspectives, present documents and witnesses, and an arbitrator weighs the evidence and makes a decision. We must first attend a court ordered arbitration and I have sent payment to the abitrator as required. 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.