Reply. I don't know what to do or where to start, can someone with some judicial experience or has been through this give me some advice? After that, the settlement payments gradually will increase at a rate that is affordable to our client. AMEX sent the account to Firstsource to handle further collections. Up until the moment your bankruptcy case is filed with the court, American Express or Zwicker Associates can sue you. An experienced attorney can provide you with a promising credit card lawsuit defense and save you money. (Late payment was the result of an unexpected death in immediate family.) If you are dealing with debt collectors for an American Express credit card, there are some things you can do to stop the harassment. Homeowners and Renters Need to Know What Happens when the Moratorium Ends. Email address: We Find Solutions For Your Debt Problems! Our client owed $7,804.07 to American Express/Citibank for a Costco credit card. As our clients will tell you, the money we save them far outweighs our attorney fees. Once the consumer has defaulted on the credit card, the creditor can do what they believe is best to be repaid, including demanding payment in full, reducing the interest rate or balance, closing the account and selling it to a debt buyer, or imposing the defaulted interest rate on the account. You don’t officially finish with the race till you cross the finish line. The American Express Platinum Card offers a higher level of benefits than American Express Green and Gold Cards. Does anyone here have any advice on how to handle this? Thanks. He became unable to pay this account after his business shut down. You could face debt collection harassment such as collection calls, garnished wages, property liens, and/or wage garnishments if a judgment is entered against you. Read More, Ft Lauderdale Bankruptcy Attorney Chad Van Horn is here to help individuals, families and businesses… Read More, Call us today to speak to a repossession attorney and get back on the road… Read More, After all of this discussion, you’re probably waiting for a straight answer - does bankruptcy… Read More, DeShawn Stevenson ($384,000 and a bank levy when he blew off the lawsuit), mom of the “Cash me outside” girl Danielle Bregoli ($7,600 and a claim of unjust enrichment), Why You Should Talk to a Florida Repossession Attorney. for $16,000, payable over a 15-month term. Then, Nationwide Credit inc. sent me a stack of "duplicate" American express credit card statements from 2010 through 2012 The earliest statement already showed a balance of over $4,000 Now I have been served with a lawsuit from American Express. I am a business owner who is barely making enough money to just run the business. After that, the settlement payments gradually will increase at a rate that is affordable to our client. American Express does not mess around when it comes to collecting on their delinquent accounts. 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. 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. He also has about $70,000 in other credit card debt that he was unable to pay due to a number of hardships. Our client owed American Express $2,366.55. When you need to use your credit card to buy groceries, keep the lights on, and keep the car gassed to get to work it’s easy to take a deep hole very quickly, and be in over your head before you know it. I do not care about the shame. CCDC has partnerships with issuers including, but not limited to, American Express, Bank of America, Capital One, Chase, Citi and Discover. American Express sued my client and the business for the full amount due, plus court costs and attorney’s fees of $630. He also has about $70,000 in other credit card debt that he was unable to pay due to a number of hardships. After a series of phone calls back and forth, explaining that our client is unemployed, Nationwide agreed to accept approximately 30% of the balance, which came out to $1,050.00. AMEX sent her account to Nationwide Credit, which is one of their debt collection agencies. One of the problems with suing over trade secrets is that you’ll have to reveal what the secrets are. If letters start coming in demanding the debt and they are addressed from an attorney in state or otherwise nearby, then look out. He also had approximately $120,000 in other credit card debt that he became unable to pay due to a number of hardships. If you’re being sued by American Express, there are something you need to know. American Express operates on a closed loop network. Post was not sent - check your email addresses! 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. Ask Sebby. Ideally, you’ll be able to do this without disclosing everything to the public. Welcome to American Express! 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. If the debt owed is valid (which it usually is), it is likely that the credit card company will be able to obtain a judgment for the full amount that is past due — although there are credit card lawsuit defenses that can be raised. The judge will either tell the Amex lawyer to work out a payment plan with you or the judge will award the case to the Amex lawyer simply as a matter of … Also, my home is in the process of foreclosure.Can I respond to this summons myself or does a lawyer have to do it on my behalf. We saved our client $15,351.12 and got her into a debt settlement that she can afford to pay over time. An experienced attorney can provide you with a promising, and save you money. American Express is not a “bluff” creditor, so we do take any legal threats from them seriously once a file has escalated to placement with a collection attorney firm (licensed to operate in the client’s home state). American Express Legal Department (in-house lawyers) Anes, Leventhal & Snyder, PLLC; Relin, Goldstein & Crane; An Answer must be filed to the lawsuit. We saved our client $16,072.36 (a 60% discount on the amount claimed due). Your Guide to Getting Back on the Road. CreditCards.com credit ranges are derived from FICO® Score 8, which is one of many different types of credit scores. We saved our client $14,596.72 on this account. on her balance due, which was in excess of $37,800. The Gamez Law Firm has offices in Los Angeles and San Diego, CA – but we help consumers all over the country with American Express debt settlements. 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. Find out if the lawsuit complies with the. We saved our client $9,817 on this, dealing with debt collectors for an American Express credit card. Activating your US Card and setting up your online Amex account is easy. I have had a Gold Amex Card for over 35 years, probably over 40 years. That guy broke my heart over and over, and I can’t believe he has taken it to this level. For that reason alone, the tactic of requiring the company to prove that they own the debt may backfire. Pay what you owe? Dec. 2007, I was late. Know that if you let them sue you, and you offer no legal response, they automatically win. Stay updated with the latest debt relief tips by following on Facebook and Twitter! I am often asked if you can reach a debt settlement with American Express. I'm just going to deny everything and request a trial. AMEX referred the account to the law firm Nelson & Kennard, who filed a lawsuit against our client. American Express has $181 billion in Total Assets and 112 million cards-in-force. Call us today to speak to a repossession attorney and get back on the road…, Every bankruptcy attorney hears this sooner or later. Over the course of the next year, we continued efforts to negotiate a settlement for our client due to the pending lawsuit filed by Michael & Associates. AMEX eventually filed a lawsuit against our client seeking the full balance due. This means that a lawsuit could be forthcoming if … Our client owed American Express approximately $6,320. Zero Down Bankruptcy Could be an Option! If you are being sued by American Express for credit card debt, you have options in dealing with debt collectors. First, take a good look at your financial situation, not just your credit card balances, and ask yourself if it’s realistic to arrange a payment plan. $4,074.02. This means that a lawsuit could be forthcoming if … Mr. Gamez owns and operates the Gamez Law Firm in San Diego and Los Angeles, CA. Show 1 more Show 1 less . share. 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. Once with them, we were able to negotiate a settlement of $2,731.42, which is approximately 35% of the total balance due. Could American Express potentially try to take my house? The house is solely under my wife's name and I have 3 cars under my name. ScottGem Posts: 64,966, Reputation: 6056. American Express SmartEarn TM Credit Card brings you upto 10X points* on Amazon, Flipkart, Swiggy and more. Second, do not blow off that summons, it’s only going to give the judge the go-ahead to rule in favor of American Express. American Express sued her for the full balance due. American Express Centurion Bank did NOT become licensed in California until 9.18.2009. My son is going to college soon and I need to pay for his tuition as well. With American Express Maps, you can look up your preferred stores and see whether they are open for business and whether they offer contactless payment. Must enroll by Dec 31, 2021. The facts about the company are diverse and reach deep into its history. American Express subsequently sued our client for the full balance. The … Many major credit card issuers sell off some of their credit card bills (that remain unpaid long enough) to debt buyers. Can’t Afford a Lawyer to File Bankruptcy? There is one clear sign to look for when a lawsuit is imminent. Getting that summons served is a rude shock, but it could also be a wakeup call. Read More, What happens if your household exceeds the bankruptcy income contribution threshold? Because they want a judgment. After some back and forth regarding our client’s hardships, they agreed to accept a lump sum of $830 to settle this account. 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. Call or Text us today for a FREE DEBT RELIEF CONSULTATION 858.217.5051. If you or your business have been affected by Covid-19, contact us for a free consultation, National Collegiate Student Loan Trust Lawsuit Defense, Bank Levies and Wage Garnishment Attorney, Student Loan Debt Settlement Ultimate Guide, Guide To Your Credit Score and Credit Repair, What To Do If Sued By American Express For Debt, being sued by American Express for credit card debt, . He owed American Express Bank $27,442.36 on a credit card used for this business when he was forced to close it down. We negotiated an. Experienced debt attorney serving clients nationwide with offices in San Diego and Los Angeles, California. Please enter the 15-digit Card number and 4-digit CID located on your Card to begin. 100 Days to Freedom – Your Florida Bankruptcy Timeline, The Impact of the Bankruptcy Income Contribution Threshold on Your Filing in Florida, Managing Your Families Finances Facebook Live Event, Does Bankruptcy Clear Tickets? AMEX eventually referred this account out to Nationwide Credit, Inc., a large collection agency. American Express has been filing lawsuits against consumers. save. Perhaps you’re wondering where your American Express Card will be accepted across Canada. Being served notice of a lawsuit from American Express means they are prepared to take active measures to collect the credit card debt you owe. It sounds to me like your "judgment proof". On my rec.humor.funny web site, I maintain the newsgroup archives, including this 13 year old joke entitled American Expressway. Then, Nationwide Credit inc. sent me a stack of "duplicate" American express credit card statements from 2010 through 2012 The earliest statement already showed a balance of over $4,000 Now I have been served with a lawsuit from American Express. We saved our client approximately 75% of the balance due, or $27,800. Pay what you owe? If I can reach a settlement with them before that date do I have to go to court. The Gamez Law Firm has offices in Los Angeles and San Diego, CA – but we help consumers all over the country with American Express debt settlements. i NEED A SAMPLE ANSWER PAPER TO REPLAY THEM I DO NOT HAVE MONEY TO EXPEND IN AN EXPENSIVE LAWYER. 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. don't worry. With a pending trial date, our client agreed to settle this debt for $20,000.00, payable over a period of 24 months. You need a formidable legal defense to, . Please give me advice. We convinced the law firm hired by AmEx credit card to accept $10,000 instead of the full $37,800 of the credit card debt owed. American Express is suing me for money that I owe them. There are lots of different alternatives to getting out of debt. And because we also were working with Nationwide on our client’s other credit card accounts, they agreed to accept payments of just $10 per month for a few months until we freed up settlement funds that were going toward the other accounts. We saved our client $1,536.55 (65%) of the balance due. We presented proof of the prior arrangement and AMEX agreed to honor and accept the deal. Related: American Express Serve Card SUCKS!!!!! To prevent getting garnished, your best bet is to operate on a cash basis or by getting a prepaid debit card until you are able to work out an arrangement with the creditor. Daniel R. Gamez, an attorney focusing exclusively in debt relief, is licensed to practice in all state and federal courts in California and Texas. Navigate to the main American Express website. As our clients will tell you, the money we save them far outweighs our attorney fees. I'm being sued by a lawyer for American Express. In such situations, the risk is greater, … American Express is not a “bluff” creditor, so we do take any legal threats from them seriously once a file has escalated to placement with a collection attorney firm (licensed to operate in the client’s home state). Getting in over your head in credit card debt can happen for many reasons. You need a formidable legal defense to settle with American Express. 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. 4.8k. 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. It's important to start at the company's main site rather than typing "American Express gift card balance" into your search engine because there are many authentic-looking scam sites on the web phishing for account numbers. If AA is suing you, it’s probably because you used their credit card and then didn’t pay it back. Our client owed American Express $30,096.72. Being sued is a scary, nerve-wracking experience. If you found your way to this web page then you are probably being sued by American Express. Lawyer's Assistant: Because laws vary from place to place, can you tell me what state this is in? It says I have 30 days to file back with a response. I live in … There is one clear sign to look for when a lawsuit is imminent. Here’s more of what you need… Read More, Perhaps the most exciting part of the entire Florida bankruptcy timeline is the day of discharge. , there are some things you can do to stop the harassment. My office started getting phone calls from 877-434-3248, but the caller would not leave a message. Below are more of, client stories. We saved our client approximately 75% of the balance due, or $27,800. 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. How Many Times Can You File Chapter 7 Bankruptcy? Our client owed American Express $35,351.12. Most people have no experience with the court system, so … One of the first things to point out to people dealing with American Express accounts in collection is that they do not sell debt. Credit Shout may collect a share of sales or other compensation from the links on this page. What should I do if American Express is suing me? I am in the process of hiring an attorney to begin the bankruptcy process. Our client owed American Express $2,366.35. Daniel R. Gamez is a debt attorney serving clients nationwide and focuses exclusively in debt relief. Original review: Oct. 16, 2020. Alternatively, you could just use their chat service to request a refund. Credit Cards 101. Credit Cards 101, American Express. 147 comments. We were successful in settling this account for $15,500 (payable in two payments) without having to file an Answer and fight this out in court. As a result the interest rate was raised […] Our debt relief law firm negotiated an American Express debt settlement on her balance due, which was in excess of $37,800. Records can be sealed, hearings can be closed, participants can be ordered not to discuss what they see. Yes, it’s highly probable to settle with American Express and save money by reaching a negotiation with AMEX Legal. Our client owed American Express $3,369. American Express is suing me for my debt of $10,000. An answer should be prepared pursuant to the New York Rules of Civil Procedure, should be filed with the proper court, and a … AMEX has vast legal teams that do nothing but sue credit card consumers in default. Visit my website to read about more Gamez Law Firm client, Before a lawsuit was filed, AMEX demanded a full balance payoff, payable in monthly installments. In such situations, the risk is greater, so we accept a … We can discuss them with you and provide our best legal advice on how to proceed. Know that if you let them sue you, and you offer no legal response, they automatically win. American Express does not mess around when it comes to collecting on their delinquent accounts. If a default judgment is entered against you, then you lose the lawsuit without ever getting a chance to fight back. In order to sue in California, a business MUST be licensed with the CALIFORNIA SECRETARY OF STATE. hide. In that time my payments were never late. AMEX sent the account out to FirstSource for further debt collection efforts. We saved our client $2,319.00 on this account. Our client owed $16,363 on an AMEX credit card. American Express – If American Express sent your account to Zwicker and Associates PC they will sue you because American Express is one of the most aggressive creditors, and very quick to send their accounts off to Zwicker. FREE Initial Consultation! We convinced the law firm hired by AmEx credit card to accept $10,000 instead of the full $37,800 of the credit card debt owed. Unless you can prove the purchases or advances on your account were not made by you or made without your approval, you’re on the hook for the bill. It’s like you are running a race. If you are sued over American Express credit card debt, then contact us for a free debt consultation at 858-217-5051 to see if we can help you get out of it and settle your credit card debt. We offered and Firstsource accepted $830 to settle. We saved our client $5,072.65 on this delinquent credit card debt. If letters start coming in demanding the debt and they are addressed from an attorney in state or otherwise nearby, then look out. being sued by American Express National Bank, served notice of a lawsuit from American Express, means they are prepared to take active measures to collect the credit card debt you owe. Well I think its American Express suing me.. it says on the complaint American express as the plaintiff. Linda “Dear Steve, I have been a customer for 13 years. If a default judgment is entered against you, then you lose the lawsuit without ever getting a chance to fight back. (858.217.5051). If you don’t have enough income to cover your bills right now – and this is one of the main drivers of credit card debt – you are not going to be able to wedge another payment in there. American Express was founded in 1850 by Henry Wells, William G. Fargo, and John Butterfield. wHAT I HAVE TO DO TO WIN THE SUE? A customer rep called me and I handled it right away. I have found a lawyer that is willing to talk with the attorney for AmEx and give them my offers to settle. For more information, please contact Daniel Gamez at 858-217-5051, daniel@gamezlawfirm.com or use our online contact form. For more information, please contact Daniel Gamez at 858-217-5051, daniel@gamezlawfirm.com or use our online contact form. , so that a default judgment isn’t entered against you in a court of law. Due to some confusion, the account shifted back to AMEX before the settlement payment could be made. American Express recently announced that Amex Platinum, Gold, and Green cards will receive complimentary access to Uber Eats Pass for 12 months. I just got served papers that American Express is suing me for unpaid debt!!? Up until then you are someone that wants to finish the race. The list of famous-but-not-so-rich people like Tori Spelling ($87,000 and $38,000 respectively), Li’l Wayne ($86,000), ex-NBA star DeShawn Stevenson ($384,000 and a bank levy when he blew off the lawsuit), and the mom of the “Cash me outside” girl Danielle Bregoli ($7,600 and a claim of unjust enrichment) is just the tip of the iceberg, as American Express filed lots of lawsuits to collect on those delinquent accounts. Sign up for our Newsletter to stay updated on the latest debt relief tips, client success stories and more! Here are 20 fun facts about one of the most powerful services company in the world today. 501 West Broadway, Suite 800, San Diego, CA 92101| San Diego Debt Attorney - credit card debt, medical debt, mortgage debt, small business debt, student loan debt relief services |Copyright 2020 | Gamez Law Firm. Experienced debt attorney serving Southern California residents. The account eventually got referred out to debt collection agency Credit Control. The Gamez Law Firm has been featured in top national and local media outlets including TV, radio and online publications. Also, they already sent me a packet of all my charges since the account was opened. It is possible to win a credit card debt lawsuit with the help of a debt lawyer. This article was very helpful. increase if the necessary proof cannot be provided. She had been in default for over a year on this credit card account. File a proper response to the AmEX lawsuit, so that a default judgment isn’t entered against you in a court of law. This means that American Express has been suing ILLEGALLY IN CALIFORNIA for decades. We. Type www.americanexpress.com into the navigation bar to bring up the company's homepage. Once the account reached Firstsource, we recognized that the account would be ripe for settlement. August 04, 2017 / Ask Sebby / 3 Comments. If you are being sued by American Express National Bank, do not ignore the lawsuit. AMEX eventually referred this account out to Nationwide Credit, Inc., a large collection agency. And because we also were working with Nationwide on our client’s other credit card accounts, they agreed to accept payments of just $10 per month for a few months until we freed up settlement funds that were going toward the other accounts. If you are being sued by American Express, make an appointment at our Fort Lauderdale or West Palm Beach office for free initial consultation. American Express is going to have an attorney fighting for them, and you should have one fighting for you. Bankruptcy Credit Debt Bankruptcy and debt. Worked for me. What To Do If Sued By American Express (AXP) If you are dealing with debt collectors for an American Express credit card, there are some things you can do to stop the harassment. I have been served a summons and I need to respond by the 27th of May. More. sued over American Express credit card debt, . All Rights Reserved. Mr. Gamez owns and operates the Gamez Law Firm in San Diego and Los Angeles, and helps people with debt problems all over the country. 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. Leveraging American Express Maps is the simplest way to see if the merchant you’ll soon be visiting accepts your American Express Card. 3 thoughts on “How to Request a Credit Balance Refund from American Express” Phil says: July 6, 2019 at 12:19 pm. Debt occurs over a period of time when your basic pay does not stretch to cover everything it needs to. She defaulted in payment on this account, as well as several others. Unpaid American Express credit cards are not sold to debt buyers. (I'll spare you the details but let's just say it's been going on for 15 months and I've called them over 50 times.) American Express does not mess around when it comes to collecting on their delinquent accounts. Title: Being sued by American Express, what do I do? Do what you love and earn rewards every time. Learn how to settle American Express credit card debt by scheduling a free consultation. 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, . After speaking with a representative, we were able to settle this account in a lump sum for $2,212, which is 35% of the total balance due. American Express | Membership Rewards - Where To Sue Amex - I have to sue Amex over a badly mishandled refund check.