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Found 13 results

  1. Hello, I’ve been a long time lurker, but this my first time posting. I was sued by American Express Centurion Bank represented by Zwicker on February 23rd, but served to me on May 15th. The suit is for $12k. I filed a general denial answer and counterclaim against Amex. It has now been 21 days since I filed the answer and counterclaim. On June 19th Zwicker transferred the case to Suttell and Hammer who sent me a new dunning letter along with the change of counsel motion. I was planning on filing a motion for summary judgement on my counterclaim on Monday and a request for dismissal
  2. Everyone has a story.. I'll make mine short. Life altering unexpected decline in health lead to unemployment. No support system, no help. It took me about four years to get both my health and life back on track. I met a girl four years ago who I'd like to marry. We're moving next summer and I want to prepare my credit to buy a home in the next year or two. I beat Cavalry in court on one account (thanks to this community!), the rest have surpassed the statue of limitations here (5yrs). AMEX ($3,500) - Est Removal: 10/2018 Portfolio 1 ($3,000) - Est Removal: 02/2019 Portfo
  3. Hi... I am kind of stumped. A lawsuit was filed in August of 2016. AMEX Business Gold Rewards Card Date of last payment was August of 2015. I had a call every now and then. I asked about a payment plan. They offered the balance in 8 installments. I cannot commit to something I cannot do. After the lawsuit was filed, AMEX has been calling just about every day to collect on the account. I was financing the expansion of my business as I was expanding, I had charged approx. 55,000 on the card. It had no preset spending limit. Before I used the card for expanding, I call
  4. Dear Forum Members (@SeaDragon, @CALawyer, @RyanEX, @AnonAmos, and others), Lost a trial vs AMEX, FSB here in California. Judgement filed in favor of Plaintiff on Nov 30th. - Affiant XXXXXX, who signed on Declaration in Lieu of Testimony (with exhibits/documents) was the Live Witness at the trial. - Affiant XXXXXX perjured in his Declaration by giving a false address. Was served by process server - but unavailable for personal service. - Judge allowed Declaration and perjured Affiant to take the witness stand. Judge allowed the exhibits and documents as evidence
  5. Hello people from this forum, I have a low amount debt with AMEX ($700) and will not be able to pay for the first time in about 10 years, and probably will not be able to pay a single dollar in the next 2 or 3 years. My wish would be that this debt is kept, with interest adding up, until I can get access to dollars again, so that I don´t loose the amex card, but I know it´s an impossible dream. I will have trouble. I live outside the U. S,A. but the AMEX is from an american bank, I used to pay every month directly from a bank account but this account has been closed and foreign curre
  6. Good morning all, I'm new and have been reading much about amex, and arbitration. reading the fine print on the CC agreement is sometimes "yeah,yeah,yeah", until you come to a place like this and see there's a good reason for these things. Thank you! ok so Amex just served me yesterday and I want to be timely and not have a judgement against me just yet. I've been reading arbitration may be the best thing for me? Maybe not. My debt is for 23Km it was 30K but over the past 8 months I've been paying it down to 23K. Back story: I had an IT consult business which took a turn for the worst, w
  7. Hi Friends, I had taken an AMEX credit card from which basically acts as the primary card holder and issues addon cards for international students without credit score. And since our SSN's are linked to the credit card the whole account affects our Credit Report. But unfortunately this card which I have taken in January has been affecting my credit report very badly as all the other addon holders are using it to the maximum limit. Would closing this card help me repair my credit score ? I'm worried because it has been only 3 months since I opened the card and I'm not sure how i
  8. UPDATED: 2/11/15 in Post #14 I am 5 months delinquent on an AMEX card with a balance of $15K. The account has been cancelled. While I still owe AMEX the balance, they have Gatestone (the DC) contacting me for the money. Today, I let the DC know I have a settlement offer ready ($7K, one lump sum) with a 'hardship letter' (as requested) as to why I can't pay the full amount. But when I mentioned it, the DC told me she couldn't submit the offer without me first making a payment of $260. She said this was because "my account is still accruing interest." (Duh...) And that this was an AM
  9. I owe $10,800.00 to Amex for a year now and the other day I received a Summons/ Complaint from a law firm representing Amex. I am supposed to give an answer within 20 days. I live in FL. Please advise as I am still in shock. I believe from what I read throughout those forums that I have to send a letter of Election of Arbitration then file MTC and other documents needed.
  10. Hi Everyone: I'm in a bit of trouble and hope someone has experience. I started reading and noticed that I'm on the loosing end of this process. My trial date is set for October. Does anyone have experience against Moore Law Group? I owe about 7k to Amex. Was not able to negotiate with Moore Law Group. They placed an envelop of what they called "Case Management Statement" at my door. Now a trial is set for October. There was no discovery sent to me or any other communication. I really don't know where to start to even approach the question of what to do.
  11. Hi everyone, I received a summon at my parents house and i didn't sign for it. I don't live at that address for over 3 years already. But my dad signed for it without knowing what was it for. I have the papers now, but with only a few days to respond. How should i elaborate the respond letter to avoid any judgement? The debt is for $6K. Any professional advice is appreciated or if anyone can point me in the right direction. Thank you in advance!
  12. Hola, My first post and I apologize in advance if this is in the wrong forum. I received a summons and complaint on Tuesday the fourteenth of May. I have researched the boards and forum, but honestly there is sooooo much information, I’m totally confused. So if anyone out there can look over the summons and complaint and my drafted answer below, and give me any ideas, tips and or comments I would be grateful. I'm just overwhelmed by this whole legal process.... Here is some background: 1. Who is suing you? American Express Bank, FSB through an attorney in Tucson. 2. For how much? $9
  13. Got summons in MI from Zwicker/Amex Looks like they are learning so I am posting info so you can see what to expect and I welcome suggestions as I form my response. COMPLAINT quote(MCR 2.113©(2)(a) Plaintiff, amex, by and through it's attournys, Z&A, P.C. for it's complaint about againts xxx ("XXX"), states as follows. PARTIES 1. Plaintiff, amex, has a principal place of business located in SALT LAKE CITY, UTAH. 2. Defendant, XXX, is an individual who resides in XXX, MI. (which we dont, we moved) 3. The amount in controversyis less than Twenty-five Thousand Dollars. A. BREAC