Most likely the plaintiff at this binding arbitration proceeding will try to show that your personal business was not separate from your S corporation so that identity of the corporation and you as a person should be disregarded. If disregarded, then you will be responsible for the credit card debt.If you dissolved your S corporation you stand a better chance of getting a defense award at the upcoming arbitation.I cannot give you a legal opinion as to the chances of you defensing the arbitration proceeding in that I have not read the complaint nor do I know the issues claimed at the upocoming proceeding.You need to realize that the plaintiff bears the burden of proving each of the claims against you personally.Good luck.