Please read your rules of civil procedure so you can submit your Answer to the Complaint by the deadline to avoid default. Do you have a copy of the Synchrony agreement? Synchrony has an arbitration section that many of our members have used to get out of court and into a mutual walkaway settlement. You need to research Affirmative Defenses for your state and if arbitration must be pleaded as an Affirmative Defense in your Answer. Please read Fisthardcheese's pinned thread to learn about the arb