Many credit cards have arbitration clauses, so the debt buyer should not be suing in court anyways. Rather, they should be filing arbitration.This article will make the process of responding to a debt lawsuit a little bit easier and tell you how to answer a summons for debt collection in Florida. Scholarship, Alexander Lazeration of Hillsborough has been recognized for his volunteer work with the New Jersey Campus. State law as to opt-out applies as follows: • In most cases, controlling state law will be where debtor was domiciled for 730 days before filing. Shall be carried out under the direction of those agencies. In the months leading up to buying your home, review your current credit score and report. In Hillsborough County, the court will run a criminal background check based on the information submitted in the proposed Guardian. Advocate's application. Previously, he was a staff attorney for Iowa Legal Aid, advocating primarily in the areas of consumer protection, tax, and housing.