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.Our firm provides full-service advocacy for debt collectors as well as debtors throughout Nassau, Suffolk, Queens and Westchester counties. Login to the DR Portal and select "File a New Arbitration Claim" in the left column. To find your arbitration clause, read the fine print, look for dispute resolution key terms, and utilize the CFPB's credit card agreement database.