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arbitration is a tool that can be used by defendants particularly but also by plaintiffs so you may sue a debt collector sue a credit card company and they may say hey now we want to force you into arbitration or you may choose if youve been sued by a debt collector or a credit card company to force them into arbitration well what were going to look at in this case this is the Morgan versus Sundance case from the U.S Supreme Court were going to look at this idea of has a defendant waited too long before saying okay now I want to force arbitration have they waived or given up their right to arbitration and is there a requirement to for the court to say Hey you waived your right is there a requirement that the other side be Prejudiced and just to give this away the answer is no on the Prejudice and almost every federal court got this wrong and here we have the U.S Supreme Court saying in a unanimous decision think about that not very often that at least we hear about that in the news