Please give me advice. Ideally, you’ll be able to do this without disclosing everything to the public. Reply. We saved our client approximately 75% of the balance due, or $27,800. American Express does not mess around when it comes to collecting on their delinquent accounts. The house is solely under my wife's name and I have 3 cars under my name. FREE Initial Consultation! American Express is suing me because I OWED THEM 16,000USD IN "BLUE" CREDIT CARD. If I can reach a settlement with them before that date do I have to go to court. If a default judgment is entered against you, then you lose the lawsuit without ever getting a chance to fight back. Your best shot is going to be to take all your evidence of your attempts to repay American Express to court with you. 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. 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. My son is going to college soon and I need to pay for his tuition as well. 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. 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. For more information, please contact Daniel Gamez at 858-217-5051, daniel@gamezlawfirm.com or use our online contact form. Below are more of our American Express debt settlement client stories. 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. Email address: We Find Solutions For Your Debt Problems! What should I do if American Express is suing me? Our client owed $7,804.07 to American Express/Citibank for a Costco credit card. Pay what you owe? Daniel R. Gamez, an attorney focusing exclusively in debt relief, is licensed to practice in all state and federal courts in California and Texas. AMEX sent the account to Firstsource to handle further collections. Our client owed $16,363 on an AMEX credit card. I'm being sued by a lawyer for American Express. 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. Original review: Oct. 16, 2020. 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. AMEX sent her account to Nationwide Credit, which is one of their debt collection agencies. One of the first things to point out to people dealing with American Express accounts in collection is that they do not sell debt. 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. Our client owed American Express $30,096.72. I later learned that this number belongs to American Express Global Collections. Read More, What happens if your household exceeds the bankruptcy income contribution threshold? Sorry, your blog cannot share posts by email. increase if the necessary proof cannot be provided. If you are dealing with debt collectors for an American Express credit card, there are some things you can do to stop the harassment. Your Guide to Getting Back on the Road. She had been in default for over a year on this credit card account. Linda “Dear Steve, I have been a customer for 13 years. Must enroll by Dec 31, 2021. 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. 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. Experienced debt attorney serving Southern California residents. We saved our client $5,072.65 on this delinquent credit card debt. 147 comments. Once with them, we were able to negotiate a settlement of $2,731.42, which is approximately 35% of the total balance due. 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 … 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. How Many Times Can You File Chapter 7 Bankruptcy? With a pending trial date, our client agreed to settle this debt for $20,000.00, payable over a period of 24 months. Navigate to the main American Express website. Dec. 2007, I was late. Many major credit card issuers sell off some of their credit card bills (that remain unpaid long enough) to debt buyers. Homeowners and Renters Need to Know What Happens when the Moratorium Ends. For that reason alone, the tactic of requiring the company to prove that they own the debt may backfire. CCDC has partnerships with issuers including, but not limited to, American Express, Bank of America, Capital One, Chase, Citi and Discover. 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. wHAT I HAVE TO DO TO WIN THE SUE? Other card brands, like Visa and Mastercard, have relationships with … Howard says: May 31, 2020 at 11:28 am. We saved our client $2,319.00 on this account. Well I think its American Express suing me.. it says on the complaint American express as the plaintiff. 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. Can’t Afford a Lawyer to File Bankruptcy? Unlike a number of other credit card companies, American Express tends to pursue delinquent accounts themselves instead of farming it out to debt collectors. The … American Express sued her for the full balance due. Instead, you should respond to the lawsuit this way: Step 1: File an answer to the original summons & complaint. We saved our client $15,351.12 and got her into a debt settlement that she can afford to pay over time. Credit Cards 101. Credit Cards 101, American Express. American Express is suing me for my debt of $10,000. 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. Do what you love and earn rewards every time. Daniel R. Gamez is a debt attorney serving clients nationwide and focuses exclusively in debt relief. Learn how to settle American Express credit card debt by scheduling a free consultation. 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. 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. On my rec.humor.funny web site, I maintain the newsgroup archives, including this 13 year old joke entitled American Expressway. Post was not sent - check your email addresses! American Express is going to have an attorney fighting for them, and you should have one fighting for you. don't worry. 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. Our client owed American Express $35,351.12. "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? Here's the text of the cease and desist Do these guys know who they are trying to bully? ScottGem Posts: 64,966, Reputation: 6056. AMEX sent the account out to FirstSource for further debt collection efforts. 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. If you are being sued by American Express for credit card debt, you have options in dealing with debt collectors. Our client owed American Express $2,366.35. AMEX referred the account to the law firm Nelson & Kennard, who filed a lawsuit against our client. I am often asked if you can reach a debt settlement with American Express. sued over American Express credit card debt, . Debt occurs over a period of time when your basic pay does not stretch to cover everything it needs to. 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, . All Rights Reserved. (858.217.5051). It's a Starwood Preferred Gold card. I just got served papers that American Express is suing me for unpaid debt!!? on her balance due, which was in excess of $37,800. 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. That guy broke my heart over and over, and I can’t believe he has taken it to this level. It says I have 30 days to file back with a response. i NEED A SAMPLE ANSWER PAPER TO REPLAY THEM I DO NOT HAVE MONEY TO EXPEND IN AN EXPENSIVE LAWYER. AMEX has vast legal teams that do nothing but sue credit card consumers in default. File a proper response to the AmEX lawsuit, so that a default judgment isn’t entered against you in a court of law. in terms of notifying you of the lawsuit. Filing a response or general denial would help in that it would delay American Express in getting a judgment. Stay updated about the latest debt relief tips by following on Facebook and Twitter and read about client success stories on our website. We offered and Firstsource accepted $830 to settle. 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 has been filing lawsuits against consumers. Today I got one of those bullying "cease and desist" letters from American Express's law firm, ordering me to take down the joke for trademark infringement. 3 thoughts on “How to Request a Credit Balance Refund from American Express” Phil says: July 6, 2019 at 12:19 pm. 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 … (Late payment was the result of an unexpected death in immediate family.) This means that American Express has been suing ILLEGALLY IN CALIFORNIA for decades. Know that if you let them sue you, and you offer no legal response, they automatically win. Once the account reached Firstsource, we recognized that the account would be ripe for settlement. The facts about the company are diverse and reach deep into its history. American Express files lawsuits throughout the State of Texas for debt collection. He also has about $70,000 in other credit card debt that he was unable to pay due to a number of hardships. Pay what you owe? This means that a lawsuit could be forthcoming if … Find out if the lawsuit complies with the. (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.) Stay updated with the latest debt relief tips by following on Facebook and Twitter! Also, they already sent me a packet of all my charges since the account was opened. Mr. Gamez owns and operates the Gamez Law Firm in San Diego and Los Angeles, CA. As a result the interest rate was raised […] He also has about $70,000 in other credit card debt that he was unable to pay due to a number of hardships. After some back and forth regarding our client’s hardships, they agreed to accept a lump sum of $830 to settle this account. for $16,000, payable over a 15-month term. Our client owed American Express approximately $6,320. save. Getting in over your head in credit card debt can happen for many reasons. 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. Could American Express potentially try to take my house? CreditCards.com credit ranges are derived from FICO® Score 8, which is one of many different types of credit scores. Records can be sealed, hearings can be closed, participants can be ordered not to discuss what they see. Our client owed American Express $2,366.55. AMEX eventually filed a lawsuit against our client seeking the full balance due. Ask Sebby. If you found your way to this web page then you are probably being sued by American Express. 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. For more information, please contact Daniel Gamez at 858-217-5051, daniel@gamezlawfirm.com or use our online contact form. There is one clear sign to look for when a lawsuit is imminent. $4,074.02. 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. One of the problems with suing over trade secrets is that you’ll have to reveal what the secrets are. Know that if you let them sue you, and you offer no legal response, they automatically win. In such situations, the risk is greater, … 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? American Express has $181 billion in Total Assets and 112 million cards-in-force. After explaining our client’s hardships and other debts due, Firstsource agreed to accept $1,262 to settle this account in one lump sum. It sounds to me like your "judgment proof". Read our latest blog posts featuring debt relief tips & more! Due to some confusion, the account shifted back to AMEX before the settlement payment could be made. Original Post: So, I'm being sued by American Express for a little over $11k. 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. , there are some things you can do to stop the harassment. You File Chapter 7 bankruptcy you could just use their chat service request... Newsgroup archives, including this 13 year old joke entitled American Expressway on the road… every... Deny everything and request a refund accepted $ 830 to settle this debt for 20,000.00... 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