As our clients will tell you, the money we save them far outweighs our attorney fees. Welcome to American Express! He also had approximately $120,000 in other credit card debt that he became unable to pay due to a number of hardships. Credit Shout may collect a share of sales or other compensation from the links on this page. If you have been served with a lawsuit or have a judgment against you contact us at Weston Legal 1-800-220-4318 For that reason alone, the tactic of requiring the company to prove that they own the debt may backfire. In such situations, the risk is greater, so we accept a … Unlike a number of other credit card companies, American Express tends to pursue delinquent accounts themselves instead of farming it out to debt collectors. How Many Times Can You File Chapter 7 Bankruptcy? Remember, if you are contacted by American Express no matter how friendly their representative sounds, their goal is to get you to pay – or at least to get you to agree to pay – whether or not you can realistically afford it. This means that American Express issues credit cards directly to its cardholders, and opens merchant accounts directly for business that accept its cards. In order to sue in California, a business MUST be licensed with the CALIFORNIA SECRETARY OF STATE. Why is my credit card company suing me? Debt occurs over a period of time when your basic pay does not stretch to cover everything it needs to. AMEX eventually filed a lawsuit against our client seeking the full balance due. Lawyer's Assistant: Because laws vary from place to place, can you tell me what state this is in? The facts about the company are diverse and reach deep into its history. Very often, being in debt is not just a matter of one large credit card balance, or one student loan, or one car loan, or one job loss. The benefits include a point reward system, four free companion airline tickets per year, airport club access and round-the-clock Platinum Card Concierge service to … Zero Down Bankruptcy Could be an Option! If you are being sued by American Express, make an appointment at our Fort Lauderdale or West Palm Beach office for free initial consultation. It’s important to face the debt lawsuit head-on with a solid legal strategy than to have a default judgment filed against you that results in an automatic loss for you. Our client owed American Express $3,369. You could face debt collection harassment such as collection calls, garnished wages, property liens, and/or wage garnishments if a, has vast legal teams that do nothing but sue credit card consumers in default. Your Guide to Getting Back on the Road. He also has about $70,000 in other credit card debt that he was unable to pay due to a number of hardships. After that, the settlement payments gradually will increase at a rate that is affordable to our client. One of the first things to point out to people dealing with American Express accounts in collection is that they do not sell debt. If you are dealing with debt collectors for an American Express credit card, there are some things you can do to stop the harassment. Contact American Express to determine whether it is still the creditor or whether your account has been assigned or sold to a debt-collection agency. What should I do if American Express is suing me? share. We saved our client $14,596.72 on this account. CreditCards.com credit ranges are derived from FICO® Score 8, which is one of many different types of credit scores. It sounds to me like your "judgment proof". File a proper response to the AmEX lawsuit, so that a default judgment isn’t entered against you in a court of law. American Express does not mess around when it comes to collecting on their delinquent accounts. If at least one of these agencies cannot assist you in resolving this matter, you would need to file a petition for a declaratory judgment against AMEX in federal court. Read More, What happens if your household exceeds the bankruptcy income contribution threshold? Daniel R. Gamez is a debt attorney serving clients nationwide and focuses exclusively in debt relief. Yes, it’s highly probable to settle with American Express and save money by reaching a negotiation with AMEX Legal. don't worry. AMEX eventually referred this account out to, , a large collection agency. on her balance due, which was in excess of $37,800. Post was not sent - check your email addresses! We saved our client $2,319.00 on this account. (858.217.5051). There is one clear sign to look for when a lawsuit is imminent. With a pending trial date, our client agreed to settle this debt for $20,000.00, payable over a period of 24 months. Our debt relief law firm negotiated an American Express debt settlement on her balance due, which was in excess of $37,800. Filing a response or general denial would help in that it would delay American Express in getting a judgment. We were able to reach a debt settlement for a one-time, lump sum payment of $12,000, without having to file an Answer to the lawsuit. American Express operates on a closed loop network. Ideally, you’ll be able to do this without disclosing everything to the public. save. Original review: Oct. 16, 2020. I'm just going to deny everything and request a trial. Click to email this to a friend (Opens in new window), Click to share on Twitter (Opens in new window), Click to share on Google+ (Opens in new window), Click to share on LinkedIn (Opens in new window), Click to share on Pinterest (Opens in new window), Click to share on Tumblr (Opens in new window), Click to share on Reddit (Opens in new window), What To Do If Sued By Resurgent Capital Services (LVNV) in California, What To Do About High Credit Card Debt In California. i NEED A SAMPLE ANSWER PAPER TO REPLAY THEM I DO NOT HAVE MONEY TO EXPEND IN AN EXPENSIVE LAWYER. American Express has $181 billion in Total Assets and 112 million cards-in-force. Related: American Express Serve Card SUCKS!!!!! Below are more of our American Express debt settlement client stories. We negotiated an American Express debt settlement with the terms that our client would only pay 40% of the total amount of the debt due. There are lots of different alternatives to getting out of debt. wHAT I HAVE TO DO TO WIN THE SUE? The … My son is going to college soon and I need to pay for his tuition as well. If you’re being sued by American Express, there are something you need to know. Navigate to the main American Express website. Call us today to speak to a repossession attorney and get back on the road…, Every bankruptcy attorney hears this sooner or later. Once the account reached Firstsource, we recognized that the account would be ripe for settlement. Call 858-217-5051 or email daniel@gamezlawfirm.com. Ask Sebby. In such situations, the risk is greater, … Call or Text us today for a FREE DEBT RELIEF CONSULTATION 858.217.5051. It's a Starwood Preferred Gold card. For instance, our client was battling cancer while going through a nasty divorce when she got notice that a lawsuit had been filed against her for her AmEx credit card debt. I am often asked if you can, reach a debt settlement with American Express, and save money by reaching a negotiation with, For instance, our client was battling cancer while going through a nasty divorce when she got notice that a lawsuit had been filed against her for her, . Pay what you owe? Our client owed $16,363 on an AMEX credit card. If letters start coming in demanding the debt and they are addressed from an attorney in state or otherwise nearby, then look out. As our clients will tell you, the money we save them far outweighs our attorney fees. Here's the text of the cease and desist Do these guys know who they are trying to bully? American Express recently announced that Amex Platinum, Gold, and Green cards will receive complimentary access to Uber Eats Pass for 12 months. Our client owed American Express $2,366.35. After some back and forth regarding our client’s hardships, they agreed to accept a lump sum of $830 to settle this account. Know that if you let them sue you, and you offer no legal response, they automatically win. Can’t Afford a Lawyer to File Bankruptcy? The Gamez Law Firm has been featured in top national and local media outlets including TV, radio and online publications. I am often asked if you can reach a debt settlement with American Express. If you found your way to this web page then you are probably being sued by American Express. "I'm so broke that I can't afford…, This article has been put off a few times waiting for the Senate to get…, How many times can you file chapter 7 bankruptcy? American Express sued her for the full balance due. It says I have 30 days to file back with a response. Most people have no experience with the court system, so … If AA is suing you, it’s probably because you used their credit card and then didn’t pay it back. Debt collectors in top national and local media outlets including TV, radio online. 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