We saved our client $2,319.00 on this account. don't worry. American Express Centurion Bank did NOT become licensed in California until 9.18.2009. Experienced debt attorney serving clients nationwide with offices in San Diego and Los Angeles, California. Here's the text of the cease and desist Do these guys know who they are trying to bully? For that reason alone, the tactic of requiring the company to prove that they own the debt may backfire. 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. 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 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. August 04, 2017 / Ask Sebby / 3 Comments. 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. 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. 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. Your best shot is going to be to take all your evidence of your attempts to repay American Express to court with you. 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. There are lots of different alternatives to getting out of debt. 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. 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. If letters start coming in demanding the debt and they are addressed from an attorney in state or otherwise nearby, then look out. 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? We. Below are more of our American Express debt settlement client stories. 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. Email address: We Find Solutions For Your Debt Problems! Visit my website to read about more Gamez Law Firm client debt relief success stories. Type www.americanexpress.com into the navigation bar to bring up the company's homepage. 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. In such situations, the risk is greater, so we accept a … save. What should I do if American Express is suing me? Can’t Afford a Lawyer to File Bankruptcy? hide. We saved our client over $15,000 on this debt and avoided a trial and a potential judgment that would have had our client on the hook for the entire amount due. Activating your US Card and setting up your online Amex account is easy. Lawyer's Assistant: Because laws vary from place to place, can you tell me what state this is in? It’s like you are running a race. My son is going to college soon and I need to pay for his tuition as well. I have been served a summons and I need to respond by the 27th of May. I am a business owner who is barely making enough money to just run the business. Worked for me. 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. Read More, What happens if your household exceeds the bankruptcy income contribution threshold? American Express operates on a closed loop network. We saved our client $1,535.35 (65% of the balance due) on this account. I do not care about the shame. Thanks. Also, they already sent me a packet of all my charges since the account was opened. The house is solely under my wife's name and I have 3 cars under my name. American Express does not mess around when it comes to collecting on their delinquent accounts. Because they want a judgment. Can American Express take my cars? American Express sued my client and the business for the full amount due, plus court costs and attorney’s fees of $630. AMEX has vast legal teams that do nothing but sue credit card consumers in default. In that time my payments were never late. American Express SmartEarn TM Credit Card brings you upto 10X points* on Amazon, Flipkart, Swiggy and more. Related: American Express Serve Card SUCKS!!!!! Perhaps you’re wondering where your American Express Card will be accepted across Canada. Bankruptcy Credit Debt Bankruptcy and debt. Pay what you owe? for $16,000, payable over a 15-month term. Reply. It is possible to win a credit card debt lawsuit with the help of a debt lawyer. An experienced attorney can provide you with a promising credit card lawsuit defense and save you money. on her balance due, which was in excess of $37,800. 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. American Express is going to have an attorney fighting for them, and you should have one fighting for you. Daniel R. Gamez, an attorney focusing exclusively in debt relief, is licensed to practice in all state and federal courts in California and Texas. American Express is suing me for my debt of $10,000. We saved our client approximately 75% of the balance due, or $27,800. Our client owed American Express $2,366.55. With a pending trial date, our client agreed to settle this debt for $20,000.00, payable over a period of 24 months. Linda “Dear Steve, I have been a customer for 13 years. 3 thoughts on “How to Request a Credit Balance Refund from American Express” Phil says: July 6, 2019 at 12:19 pm. share. This means that a lawsuit could be forthcoming if … An experienced attorney can provide you with a promising, and save you money. Find out if the lawsuit complies with the. , so that a default judgment isn’t entered against you in a court of law. AMEX eventually referred this account out to Nationwide Credit, Inc., a large collection agency. If AA is suing you, it’s probably because you used their credit card and then didn’t pay it back. 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. Our client owed American Express $35,351.12. Our client owed American Express $3,369. I just got served papers that American Express is suing me for unpaid debt!!? It's a Starwood Preferred Gold card. Credit Shout may collect a share of sales or other compensation from the links on this page. 147 comments. Our client owed $7,804.07 to American Express/Citibank for a Costco credit card. Facing trial, our client did not dispute the amount due and agreed to settle the debt for $20,000, payable over 24 months. AMEX eventually referred this account out to Nationwide Credit, Inc., a large collection agency. Call 858-217-5051 or email daniel@gamezlawfirm.com. AMEX referred the account to the law firm Nelson & Kennard, who filed a lawsuit against our client. If you are being sued by American Express National Bank, do not ignore the lawsuit. 4.8k. On my rec.humor.funny web site, I maintain the newsgroup archives, including this 13 year old joke entitled American Expressway. I have found a lawyer that is willing to talk with the attorney for AmEx and give them my offers to settle. 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. Why is my credit card company suing me? 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. 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 – 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. We saved our client $9,817 on this American Express debt settlement. The facts about the company are diverse and reach deep into its history. Up until then you are someone that wants to finish the race. Getting that summons served is a rude shock, but it could also be a wakeup call. Know that if you let them sue you, and you offer no legal response, they automatically win. Our debt relief law firm negotiated an American Express. increase if the necessary proof cannot be provided. 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. In such situations, the risk is greater, … 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. More. American Express has been filing lawsuits against consumers. Unpaid American Express credit cards are not sold to debt buyers. Once the account reached Firstsource, we recognized that the account would be ripe for settlement. If a default judgment is entered against you, then you lose the lawsuit without ever getting a chance to fight back. AMEX sent the account out to FirstSource for further debt collection efforts. 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. This means that a lawsuit could be forthcoming if … Does anyone here have any advice on how to handle this? I live in … American Express subsequently sued our client for the full balance. Pay what you owe? He also had approximately $120,000 in other credit card debt that he became 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. We offered and Firstsource accepted $830 to settle. Up until the moment your bankruptcy case is filed with the court, American Express or Zwicker Associates can sue you. American Express does not mess around when it comes to collecting on their delinquent accounts. 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, make an appointment at our Fort Lauderdale or West Palm Beach office for free initial consultation. We negotiated an. Leveraging American Express Maps is the simplest way to see if the merchant you’ll soon be visiting accepts your American Express Card. After that, the settlement payments gradually will increase at a rate that is affordable to our client. 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. Sorry, your blog cannot share posts by email. You don’t officially finish with the race till you cross the finish line. If letters start coming in demanding the debt and they are addressed from an attorney in state or otherwise nearby, then look out. If I can reach a settlement with them before that date do I have to go to court. Must enroll by Dec 31, 2021. 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. AMEX eventually referred this account out to, , a large collection agency. Debt occurs over a period of time when your basic pay does not stretch to cover everything it needs to. All Rights Reserved. Read our latest blog posts featuring debt relief tips & more! After that, the settlement payments gradually will increase at a rate that is affordable to our client. After explaining our client’s hardships and other debts due, Firstsource agreed to accept $1,262 to settle this account in one lump sum. (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.) 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. Unlike a number of other credit card companies, American Express tends to pursue delinquent accounts themselves instead of farming it out to debt collectors. Other card brands, like Visa and Mastercard, have relationships with … For more information, please contact Daniel Gamez at 858-217-5051, daniel@gamezlawfirm.com or use our online contact form. American Express is suing me for money that I owe them. Below are more of, client stories. He also has about $70,000 in other credit card debt that he was unable to pay due to a number of hardships. It says I have 30 days to file back with a response. 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. If you are being sued by American Express for credit card debt, you have options in dealing with debt collectors. sued over American Express credit card debt, . There is one clear sign to look for when a lawsuit is imminent. 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. Please enter the 15-digit Card number and 4-digit CID located on your Card to begin. CCDC has partnerships with issuers including, but not limited to, American Express, Bank of America, Capital One, Chase, Citi and Discover. Please give me advice. File a proper response to the AmEX lawsuit, so that a default judgment isn’t entered against you in a court of law. 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. 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. Mr. Gamez owns and operates the Gamez Law Firm in San Diego and Los Angeles, CA. For more information, please contact Daniel Gamez at 858-217-5051, daniel@gamezlawfirm.com or use our online contact form. The … Call or Text us today for a FREE DEBT RELIEF CONSULTATION 858.217.5051. Yes, it’s highly probable to settle with American Express and save money by reaching a negotiation with AMEX Legal. Could American Express potentially try to take my house? 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. 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, . We presented proof of the prior arrangement and AMEX agreed to honor and accept the deal. 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 later learned that this number belongs to American Express Global Collections. In order to sue in California, a business MUST be licensed with the CALIFORNIA SECRETARY OF STATE. American Express is suing me because I OWED THEM 16,000USD IN "BLUE" CREDIT CARD. If you’re being sued by American Express, there are something you need to know. AMEX sent her account to Nationwide Credit, which is one of their debt collection agencies. The account went into collections when she could longer afford the payments. If AA is suing you, it’s probably because you used their credit card and then didn’t pay it back. This means that American Express issues credit cards directly to its cardholders, and opens merchant accounts directly for business that accept its cards. 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. , there are some things you can do to stop the harassment. Most people have no experience with the court system, so … AMEX eventually filed a lawsuit against our client seeking the full balance due. Daniel R. Gamez is a debt attorney serving clients nationwide and focuses exclusively in debt relief. 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