See a sample Answer Form for Consumer Credit Transaction. Below are examples of defenses to a debt collection case.Read the explanations carefully to see if any of them apply to you. 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. To find your arbitration clause, read the fine print, look for dispute resolution key terms, and utilize the CFPB's credit card agreement database. It's up to the debt collector to start arbitration once is dismissed. 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. The name of the originator of the debt is required in some states if the Plaintiff is an assignee of the original creditor.