Who filed the case matters, because it changes what they have to prove and whether arbitration is even on the table. Look for the plaintiff's name on the first page of your summons.
Debt buyers
They bought your charged-off account for a fraction of the balance and sue in volume. They have to prove they actually own your account.
Banks and card issuers
They issued the account themselves and still hold it. There is no chain of title to question, and whether there is an arbitration clause varies a great deal by issuer.
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Not a lawyer. Not a law firm. Not legal advice. ARBITRATE is an educational self-help platform providing general information only. Nothing here creates an attorney-client relationship, and nobody here can tell you what to do in your specific case. Company details are general and may change. Card agreements are revised over time and the version that governs an account is the one in effect on that account, not the one published today. Deadlines, procedures, and rights vary by state and by case type. Always read your own summons and your own agreement, verify with your local court, and if you can, consult a licensed attorney in your state.