You and the other parties must fill out and file a form called ADR Stipulation and Order . If you carefully check your credit card agreement, you will likely find a mandatory binding arbitration clause buried in the fine print.The Fee Arbitration Program provides clients and attorneys with a simple method to resolve fee disputes without going to court. You have 30 days to respond to a debt lawsuit in California. California High Court Guts Credit Card Arbitration Clause. To find your arbitration clause, read the fine print, look for dispute resolution key terms, and utilize the CFPB's credit card agreement database. Find the best collections attorney serving Santa Clara County.