I'm being sued by one of my credit card and instead of hiring a lawyer, there's this arbitrator that gets his businesses from superior court that helps people that are being sued by credit card companies. He said he can stop the litigation and work with them and try to settle, or setup a payment plan what is comfortable to me, for a possibility of settling in the future. He said he's worked with the atty's office that is suing me and have had success of settling. Anyone heard of an Arbitrator and Negotiation specialist before? I have only a couple days to file my "Answer to Complaint" that my debt settlement company prepared for me but this guy said don't file it because it'll just piss off the atty's office and they'll see that as a stall tactic. What to do?