Question: Jane has been sued by a creditor for non - payment of her credit card bills. Jane calls the creditor and contends that I have

Jane has been sued by a creditor for non-payment of her credit card bills. Jane calls the creditor and contends that "I have disputes over some of those charges, I want to go to court under the Fair Credit Billing Act." The creditor points out to Jane that there was an arbitration clause in the terms and conditions given to her when she was given her credit card. Jane responds: "Credit card rights are given by federal law. I don't have to go to arbitration!" Which of the following statements is true?

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