Being sued by LVNV or another debt buyer on a Credit One account isn’t about arguing balances—it’s about forcing proof. Judges require admissible evidence and standing. Because many Credit One sales include arbitration carve-outs for debt-collection lawsuits, arbitration may not be available. This strategy attacks standing and admissibility, making volume cases risky and expensive. Comment the collector name and I’ll tell you the next move. Not legal advice. I am not an attorney or an accountant