This page discusses the process for cases involving debt collectors. Both federal and state laws govern debt collectors.Mediation and arbitration are two alternative dispute resolution processes available through the courts. Many credit cards have arbitration clauses, so the debt buyer should not be suing in court anyways. Rather, they should be filing arbitration. To include arbitration or other alternative dispute resolution mechanism. You have 20 days to file an Answer to a debt lawsuit in Utah. Your Answer gives you the opportunity to defend yourself. The parties do not dispute that, pursuant to the credit card agreement, Utah law governs. If you don't pay your bills, a debt collector may begin legal proceedings against you.