Can I Bypass United Recovery System to Deal With American Express On My Own? – Miranda

“Dear Steve,

Two cc’s- one for 8k (amex) 21k (BofA)- about 60 days past due. Saving cash (closed three 401k’s) for settlement on my own

Amex has turned my account over to United Recovery Systems. They are rude, intentionally “stupid”, and can’t even make a decision without putting me on hold to “call Amex”. Can I bypass URS? I have offered 55% and they aren’t accepting. I think I would have better luck on my own.


Dear Miranda,

There is nothing that prevents you from calling American Express and asking them. However, don’t be surprised if they don’t bounce you back to United Recovery Systems. You lose nothing by calling and asking.

Damon Day - Pro Debt Coach

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Steve Rhode is the Get Out of Debt Guy and has been helping good people with bad debt problems since 1994. You can learn more about Steve, here.
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