G.C. Services - any experiences, advice?

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Many creditors will not settle until they realistically know whether or not they are not being excessively low balled by the debtor.  This company has been hired to collect.  AMEX is an aggressive original creditor and they will sue you.  Settling may be your best option.  You should consider all your options including bankruptcy if your debts are significant enough.

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6 hours ago, InUtah said:

Is arbitration an option with Amex?

Depends on the card agreement governing the account.  In general, yes it is an option.  However, you should be aware AMEX has been known to follow consumers into arbitration at great expense and you will lose if they do follow through all the way.

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