Thomas A. Grossman's answer Probably. But you will probably need to coordinate the timing with the Court. You also must be in a Court that allows you to compel an arbitration hearing, or have a contract that has an arbitration clause in it.. Since I don't know what documents are involved (e.g. is there a contract with an arbitration clause in it). That's the best I can do.
David Adams' answer The very short answer is "yes." Certain rights of collection may be affected by a subsequent owner of the debt, but as a general rule, they step into the shoes of the original holder of the debt and may proceed as if they were the original owner of the debt.
Brian Lehman's answer If you are being told to go to court, then yes you are being charged. This is not a civil case from what I can tell. Contact a criminal lawyer immediately in your area. If you go to court, do not say anything except you want a lawyer. Posting on this board is not sufficient to give you the help you need. Again, contact a lawyer. And make sure to show up to the court when told.
Kenneth J. Geniuk's answer If you (the lender) are bringing the action as a business entity such as a corporation or LLC, then you must have an attorney. Otherwise you can bring your case without an attorney, but be careful in doing so, as you will be held to the same standards as an attorney, and will be expected to know the court rules, procedural law, rules of evidence, and so on. If the value of your case is small, you may want to consider small claims court, where neither party is allowed to have an attorney, and...
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