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How to Beat an American Express Debt Collector?

George Simons | December 12, 2023

Summary: Is American Express suing you for a past due balance? Find out how you can win against American Express in court.

For years, in their television and print ads, we have been told: “Don't live without it” in reference to American Express credit cards. What you can live without are the efforts of their debt collectors. If you are being contacted by an American Express debt collector, this is not the time to worry. This is the time to take action.

This is the time to keep your head about you. This is the time for a consumer to take the decisive actions necessary to prevent this debt collection from resulting in a more dire situation. It is never easy being on the receiving end of a collection call. An American Express debt collector can be intimidating on the phone. That is a natural response but the anxiety or fear that seeing the American Express phone number come up on your phone should be dealt with for the consumer to develop a strategy that will result in the best possible outcome.

A consumer who is being contacted by an American Express debt collector needs to gather as much information on the company as they can. It is imperative to understand that if American Express is making collection attempts regarding the balance you may owe them, it generally means they are prepared to do whatever they deem necessary to collect any unpaid balances. Become a knowledgeable consumer. One of the best ways to do this is to acquire as much information as you can on American Express.

Don't be intimidated by debt collectors. Respond with SoloSuit.

Who is American Express?

Conventional wisdom says that most people would say they are very familiar with American Express. Though most are not currently or ever have been contacted by a debt collector from American Express. If this is the particular situation you find yourself in, there can be actions you can take that would be beneficial to you and your situation. The goal here is to put yourself in the best possible position to resolve the debt amicably.

Incorporated in the state of New York, American Express Company has been in business for well over 170 years. They are a financial institution in this country. While it may seem like you are David against this financial Goliath, you must not let this deter you from the necessary work to stand up for your consumer rights if you are being contacted by an American Express debt collector. So, you should be asking: Who can help me? How can I take the necessary actions?

Don't Ignore a Debt Collector Like American Express

Once the AMEX debt collector begins his or her actions, they have an advantage over any consumer. They are not anxious about making the phone call or sending the letter. They are not fearful of what can happen in the future. They are intent on resolving the unpaid balance.

Deciding to deal with an American Express debt collector is step one. After arming yourself with information about the company and perhaps its methodologies, you have put yourself in a better situation to resolve the account. If you prevent their collection efforts from escalating, that is to your advantage. If a resolution is unable to be achieved, it could lead American Express to deciding to file suit. Then, in addition to the balance owed, they can add court costs, attorney fees, and lost interest to the suit, and the balance becomes unrecognizable.

Once you decide to meet this head-on, you can begin to take control of how the collection moves forward. Isn't it better than you have a say in what transpires than be at the mercy of a faceless and nameless bill collector? If you fail to take any action and simply ignore their attempts to contact you, the most likely outcome is that American Express will escalate this to a lawsuit.

Once this decision is reached by American Express the impact that you, as the consumer, can have is minimal if not non-existent. If they decide to file suit, this can lead American Express to take legal action which may allow them to attempt to secure a judgment against you. If that happens, they may be able to take some of the following actions against you to satisfy the judgment:

Do not let this happen to you. Take action now and deal with the American Express debt collector.

Protect your property. Respond with SoloSuit and win in court.

How SoloSuit Can Help You Defend Yourself Against American Express

So, you are being called by a debt collector from American Express. What does that mean for you? It means that you should deal with this matter now. It can be intimidating but better to meet this challenge head first than stick your head in the sand and hope for the best.

One way to do that, you need to answer the suit. To get help with this go to After familiarizing yourself with valuable information located here, you'll find that SoloSuit can make it less frightening and easy for you to deal with this situation regardless of the balance owed or what state you reside in.

No one is saying that finding yourself in this kind of situation isn't precarious. No one would choose to be in this financial mess. Isn't it better to seek and then allow those that can to help you rather than ignoring the collection calls? What would you do if American Express decided to offer you a settlement? They have been known to do that. One thing is clear, if you hide from their collection efforts, if you don't exercise your rights by answering their calls and dealing with them directly, the outcome will in all probability go against you.

If addressing this can get you a reduced settlement amount or something better, you will realize that it was worth the time and effort to exercise your rights as a consumer. Don't take it on the chin. Don't throw your hands up in frustration. Maybe you don't know what you could do but SoloSuit does. Allow them to guide you as you respond to an AMEX debt collector.

What is SoloSuit?

SoloSuit makes it easy to respond to a debt collection lawsuit.

How it works: SoloSuit is a step-by-step web-app that asks you all the necessary questions to complete your answer. Upon completion, you can either print the completed forms and mail in the hard copies to the courts or you can pay SoloSuit to file it for you and to have an attorney review the document.

Respond with SoloSuit

"First time getting sued by a debt collector and I was searching all over YouTube and ran across SoloSuit, so I decided to buy their services with their attorney reviewed documentation which cost extra but it was well worth it! SoloSuit sent the documentation to the parties and to the court which saved me time from having to go to court and in a few weeks the case got dismissed!" – James

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>>Read the FastCompany article: Debt Lawsuits Are Complicated: This Website Makes Them Simpler To Navigate

>>Read the NPR story on SoloSuit: A Student Solution To Give Utah Debtors A Fighting Chance

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