A woman who sued a debt collection company cannot be compelled to arbitrate under terms of an arbitration agreement after a “gratuitous delay,” a federal appeals court ruled Monday.The explanation from GC Services Limited Partnership for waiting 13 months before it filed a motion to compel arbitration against Francina Smith was “inadequate,” the 7th U.S. Circuit Court of Appeals panel found.Smith brought a class-action suit against GC Services in July 2016 after Synchrony Bank hired the debt …