To be eligible for court-ordered arbitration, a dispute must have been filed as a complaint in the North Carolina court system. It is important for consumers to read the fine print to see if they can optout of arbitration clauses which usually restrict their rights.Debt collectors can sue you in court to try to collect the debt. Lawyers for credit card debt in Charlotte. On this page you will learn how to file an arbitration claim, how to request mediation, and what documents are required for each process. File the Answer with the court before the deadline.