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American Express is Horrible. They Are Suing Me. – Jonathan

“Dear Steve,

Amex is horrible. Apparently they are suing me for 15k.

Long story short; got behind on my Amex bill 60/90 days in Nov 08, they sent me to third party collector (Allied Interstate). In Nov I called Amex trying to pay them, they wouldn’t work with me at all. Setup DMP with CareOne, who sent Allied 3 checks as part of their DMP proposal, all checks were returned and the plan was refused. Amex then took the debt back from Allied and it is now with an Attorney who is now taking me to court. I have no other option now but to hire an Attorney of my own – correct?

Jonathan”

 

Dear Jonathan,

You say Amex is horrible? I’d have to go with ‘hell yes’ at this point.

Getting your own legal representation is always a good idea. I would never discourage that.

Consider this fact, you originally did have an agreement to repay Amex and for whatever reason you are unable to do so.

You have made attempts to repay them through CareOne but that didn’t work out. Your best shot is going to be to take all your evidence of your attempts to repay American Express to court with you. 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 law; you were unable to honor the agreement.

Even if you lose, that’s not the end. You could always go bankrupt to eliminate your obligation to repay that debt if American Express tries to garnish your wages or get a judgment against you.

Let me know what you decide to do.

Steve

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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.
  • fighter

    I, too was sued by American Express but in the end won my 13,000. law suit. The court ordered A.Ex. to remove and squash the judgment after they lied lied lied for two and a half years. They tried to take the money from my old job, from my checking account but I didnt take it laying down. I did it and you can too, with out a lawyer. Hang in there and fight.

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    Nice information.And now a days there are a lot of facilities offering by different banks so that to increase the user rate.And recently military credit cards are offering the best facilities.The best thing about this card is it automatically pays you the rewards in your account monthly without the usual $50 minimum like most credit cards.

  • Cca20102010

    hi there i just received court letter that give me 20 days to respond to american express lawyers for 7.400 dollars , i really wanna know what can i do i am a father of 4 small kids ,unemployed and under government support to maintain my family i dont have money to hire a lawyer please let me know any advice ,i will appreciate please
    best regards

  • Cca20102010

    hi there i just received court letter that give me 20 days to respond to american express lawyers for 7.400 dollars , i really wanna know what can i do i am a father of 4 small kids ,unemployed and under government support to maintain my family i dont have money to hire a lawyer please let me know any advice ,i will appreciate please
    best regards

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