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American Express is Suing Me. – Vince

“Dear Steve,

I have a $13,000 debt with AMEX that we have made monthly payments on until October 2009. As a result of being self employed and experiencing a poor 4th quarter in 2008 we have not been able to make the monthly payments on AMex as well as a several other credits cards equating to an additional $27,000. AMEX has turned us over to a local FL law firm for collections. The “case worker” from the firm is trying to negotiate an amount to make up for the past due amounts. My first priority is feeding my family and paying the mortage and taking care of other essential.
Although I made him aware of my situation and I did not expect him to be impartial to my situation, he contacted me today to say that there is a lawsuit against me and that I will be served this week. However, he did say to contact his the law office if I want to make the payments in order to prevent the lawsuit.

I realize that my house can’t be touched but can they take my vehicles – one paid for worth $4000 and another vehicle worth $9,000 we owe $2800 on it. Second, if I were to do continual , as a freelancer, work for a company that takes taxes from my paycheck, can the court garnish my wages. And what else can the court order?

Thanks for your time

Vince”

The Answer

Dear Vince,

It’s time for you to go get some protection under the law for this. To stop the lawsuit and either eliminate the debt or enter into a reasonable and affordable repayment plan based on what the court says is fair, click here to find a local bankruptcy attorney you like.

I don’t give a damn how friendly the lawyer is for American Express, he does not represent your best interests or protect you. You need to take this situation seriously. American Express does not play games.

Since you are in Florida you may have a homestead exemption and that protects the house. The car may be protected as well. Contact a bankruptcy attorney today!

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About Steve Rhode

Steve Rhode
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.
  • Rmaro2

    American Express litigation have gone for Judicial intervention. At this point I have filed for a TRO and order to show cause. Speaking with AE and they are able to only produce part of the bill and I am disputing it all. The court has granted me the TRO and order to show cause. Am I entitled to see the bills as part of discovery? They claim I owe $18,000.00 but can only show me like $4,000.00 in bills none of which bear my signature.

  • Rmaro2

    American Express litigation have gone for Judicial intervention. At this point I have filed for a TRO and order to show cause. Speaking with AE and they are able to only produce part of the bill and I am disputing it all. The court has granted me the TRO and order to show cause. Am I entitled to see the bills as part of discovery? They claim I owe $18,000.00 but can only show me like $4,000.00 in bills none of which bear my signature.

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