Our client owed American Express $2,366.35. Must enroll by Dec 31, 2021. 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. We. For more information, please contact Daniel Gamez at 858-217-5051, daniel@gamezlawfirm.com or use our online contact form. If letters start coming in demanding the debt and they are addressed from an attorney in state or otherwise nearby, then look out. increase if the necessary proof cannot be provided. I do not care about the shame. I have had a Gold Amex Card for over 35 years, probably over 40 years. Experienced debt attorney serving clients nationwide with offices in San Diego and Los Angeles, California. American Express is suing me for my debt of $10,000. Once with them, we were able to negotiate a settlement of $2,731.42, which is approximately 35% of the total balance due. If you found your way to this web page then you are probably being sued by American Express. There is a court date set for May 9. 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. Well I think its American Express suing me.. it says on the complaint American express as the plaintiff. Our client owned a construction company that did not survive the recession. We saved our client $5,072.65 on this delinquent credit card debt. We saved our client $16,072.36 (a 60% discount on the amount claimed due). She defaulted in payment on this account, as well as several others. Watch our latest debt relief videos on YouTube, FREE initial consultation! 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. Below are more of, client stories. 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. "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? Our client owed American Express $35,351.12 and could no longer make the payments. AMEX eventually referred this account out to Nationwide Credit, Inc., a large collection agency. Learn how to settle American Express credit card debt by scheduling a free consultation. There are lots of different alternatives to getting out of debt. Mr. Gamez owns and operates the Gamez Law Firm in San Diego and Los Angeles, CA. 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. Sorry, your blog cannot share posts by email. AMEX referred the account to the law firm Nelson & Kennard, who filed a lawsuit against 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. We saved our client $1,536.55 (65%) of the balance due. If I can reach a settlement with them before that date do I have to go to court. Leveraging American Express Maps is the simplest way to see if the merchant you’ll soon be visiting accepts your American Express Card. American Express is going to have an attorney fighting for them, and you should have one fighting for you. 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 some back and forth regarding our client’s hardships, they agreed to accept a lump sum of $830 to settle this account. Credit Shout may collect a share of sales or other compensation from the links on this page. Unpaid American Express credit cards are not sold to debt buyers. Howard says: May 31, 2020 at 11:28 am. If you are being sued by American Express for credit card debt, you have options in dealing with debt collectors. 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. File a proper response to the AmEX lawsuit, so that a default judgment isn’t entered against you in a court of law. Our client owed $7,804.07 to American Express/Citibank for a Costco credit card. Getting that summons served is a rude shock, but it could also be a wakeup call. We saved our client $9,817 on this American Express debt settlement. You need a formidable legal defense to settle with 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. $4,074.02. American Express has been filing lawsuits against consumers. For that reason alone, the tactic of requiring the company to prove that they own the debt may backfire. We saved our client $15,351.12 and got her into a debt settlement that she can afford to pay over time. American Express has $181 billion in Total Assets and 112 million cards-in-force. Does anyone here have any advice on how to handle this? I just got served papers that American Express is suing me for unpaid debt!!? If a default judgment is entered against you, then you lose the lawsuit without ever getting a chance to fight back. in terms of notifying you of the lawsuit. Post was not sent - check your email addresses! An answer should be prepared pursuant to the New York Rules of Civil Procedure, should be filed with the proper court, and a … American Express sued my client and the business for the full amount due, plus court costs and attorney’s fees of $630. My office started getting phone calls from 877-434-3248, but the caller would not leave a message. 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. We offered and Firstsource accepted $830 to settle. 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. Your Guide to Getting Back on the Road. If you are being sued by American Express, make an appointment at our Fort Lauderdale or West Palm Beach office for free initial consultation. 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 … I am often asked if you can reach a debt settlement with American Express. Linda “Dear Steve, I have been a customer for 13 years. 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. Records can be sealed, hearings can be closed, participants can be ordered not to discuss what they see. (858.217.5051). The American Express Platinum Card offers a higher level of benefits than American Express Green and Gold Cards. 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. 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. Stay updated about the latest debt relief tips by following on Facebook and Twitter and read about client success stories on our website. In such situations, the risk is greater, so we accept a … Due to some confusion, the account shifted back to AMEX before the settlement payment could be made. 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. American Express files lawsuits throughout the State of Texas for debt collection. American Express subsequently sued our client for the full balance. 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. Reply. Welcome to American Express! Worked for me. Alternatively, you could just use their chat service to request a refund. ScottGem Posts: 64,966, Reputation: 6056. 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. 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. We presented proof of the prior arrangement and AMEX agreed to honor and accept the deal. 147 comments. The … Our client owed American Express $2,366.55. The account eventually got referred out to debt collection agency Credit Control. It’s like you are running a race. Here's the text of the cease and desist Do these guys know who they are trying to bully? 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. 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). I live in … It sounds to me like your "judgment proof". American Express Centurion Bank did NOT become licensed in California until 9.18.2009. We can discuss them with you and provide our best legal advice on how to proceed. share. Could American Express potentially try to take my house? Know that if you let them sue you, and you offer no legal response, they automatically win. I'm being sued by a lawyer for American Express. Facing trial, our client did not dispute the amount due and agreed to settle the debt for $20,000, payable over 24 months. You should report this to the state attorney general 's office as well as the state consumer protection agency as well as the FTC. 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). In order to sue in California, a business MUST be licensed with the CALIFORNIA SECRETARY OF STATE. He also has about $70,000 in other credit card debt that he was unable to pay due to a number of hardships. If you are dealing with debt collectors for an American Express credit card, there are some things you can do to stop the harassment. Unlike a number of other credit card companies, American Express tends to pursue delinquent accounts themselves instead of farming it out to debt collectors. Sign up for our Newsletter to stay updated on the latest debt relief tips, client success stories and more! Activating your US Card and setting up your online Amex account is easy. Ideally, you’ll be able to do this without disclosing everything to the public. Nationwide originally requested that she pay 60% of this balance to have the account considered settled in full. 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 $35,351.12. I have been served a summons and I need to respond by the 27th of May. FREE Initial Consultation! 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. Other card brands, like Visa and Mastercard, have relationships with … Can’t Afford a Lawyer to File Bankruptcy? American Express | Membership Rewards - Where To Sue Amex - I have to sue Amex over a badly mishandled refund check. After that, the settlement payments gradually will increase at a rate that is affordable to our client. AMEX sent the account out to FirstSource for further debt collection efforts. 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. If AA is suing you, it’s probably because you used their credit card and then didn’t pay it back. Perhaps you’re wondering where your American Express Card will be accepted across Canada. AMEX has vast legal teams that do nothing but sue credit card consumers in default. 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. There is one clear sign to look for when a lawsuit is imminent. After that, the settlement payments gradually will increase at a rate that is affordable to our client. Yes, it’s highly probable to settle with American Express and save money by reaching a negotiation with AMEX Legal. Stay updated with the latest debt relief tips by following on Facebook and Twitter! 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. An experienced attorney can provide you with a promising, and save you money. 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. If letters start coming in demanding the debt and they are addressed from an attorney in state or otherwise nearby, then look out. As a result the interest rate was raised […] 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. Many major credit card issuers sell off some of their credit card bills (that remain unpaid long enough) to debt buyers. American Express is suing me because I OWED THEM 16,000USD IN "BLUE" CREDIT CARD. This means that American Express issues credit cards directly to its cardholders, and opens merchant accounts directly for business that accept its cards. sued over American Express credit card debt, . Daniel R. Gamez is a debt attorney serving clients nationwide and focuses exclusively in debt relief. AMEX sent her account to Nationwide Credit, which is one of their debt collection agencies. 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 … 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. My charges since the account shifted back to amex before the settlement payments gradually will increase at rate. 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