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A general denial should be sufficient.  When did you open the Cap1 account and when was the default?  If the account was opened after 2010 then arbitration will not be an option as Cap1 removed it.

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14 hours ago, Clydesmom said:

A general denial should be sufficient.  When did you open the Cap1 account and when was the default?  If the account was opened after 2010 then arbitration will not be an option as Cap1 removed it.

It was after 2010 unfortunately.

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3 hours ago, Ihatelawsuits said:

It was after 2010 unfortunately.

Then you can't use arbitration as a strategy and it would not need to be listed as an affirmative defense.  Your options are to defend the suit, settle, or BK if you have enough debt.  Given the uncertainty of how bad the economic fall out will be I would hold off on the BK because the other creditors (if you have them) may not pursue you at all.  

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