5 Common Defenses to a Credit Card Lawsuit. A large 2012 case with the Consumer Financial Protection Bureau (CFPB) ended with the requirement for Amex to refund $85 to approximately 250,000 customers plus a $27 million fine. American Express does not mess around when it comes to collecting on their delinquent accounts. A large 2012 case with the Consumer Financial Protection Bureau (CFPB) ended with the requirement for Amex to refund $85 to approximately 250,000 customers plus a $27 million fine. I received word that Amex filed a summons against me. v. American Express Co. et al., Case No. Although no two clients or lawsuits at Florin Legal are the same, here is a list of 5 common defenses to a credit card lawsuit filed by original creditors, as opposed to debt buyer lawsuits.This includes credit card companies such as American Express, Capital One Bank, Bank of America, N.A., Citibank, N.A., Discover Bank, TD Bank, and others. I do not know whether your debt collection company is the legal owner of this debt or not, or if the amounts charged are valid. Just like with debt buyers, they retain counsel, such as Zwicker & Associates, P.C., who prepares and files the lawsuits. The summons went unserved because I moved to a different state but I am terrified that they are suing me and have absolutely no idea what to do. American Express is a major credit card company, yet recent years have seen it involved in lawsuits regarding credit card and debt collection practices. That never happened. The federal Fair Debt Collection Practices Act provides the right to request verification of a debt, but you must put your request in writing – and send it, ideally, by certified mail. This is also my formal notice under 15 U.S.C. This lawsuit alleges that Firstsource Advantage, an independent debt collection agency, while attempting to collect on an American Express debt violated federal and state laws by designing its collection letters to make it appear that this letters were in fact coming from American Express and not a third party debt collection company. American Express Debt Settlement Letter. 1692c, to you to cease all further communications with me, my family members, and my associates and all third parties, unless I give you express permission to do so. We represent many people who are sued by American Express, and can often find defenses to the suits when the amounts are incorrect or there are procedural errors that can result in … In the letter, you can see the final negotiated resolution where the client saved 75%.They paid back only $4,200.00 on the balance owed of $17,019.67. 1:13-cv-04836, in the … The following is a debt settlement letter for an account with American Express. American Express is frequently represented by Modlin Slinsky, P.A.r, Cooling & Winter and Zwicker & Associates, P.C.. Are you being sued or harassed by American Express? The debt collector will be required to produce a copy of the original written agreement between you and the credit card company and proof that it has been assigned the debt. The American Express Debt Collection Phone Call Class Action Lawsuit is Ossola et al. American Express expects that consumers who will be receiving payment will receive the payout by no later than March 15, 2013. American Express is a major credit card company, yet recent years have seen it involved in lawsuits regarding credit card and debt collection practices. I was advised to not pay them anything anymore and hope that they move the debt to a collection agency where I could dispute it.
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