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American Express Credit Card Debt

The American Express Company offers a variety of travel and merchant related services, but they are best known for being an issuer of credit cards and charge cards. When a borrower experiences a reduction in income, it’s easy for debts to spiral out of control, especially with compounding interest rates of up to 24.9%. The Law Office of Simon Goldenberg PLLC has assisted numerous consumers and businesses with respect to resolving their debts owed to American Express.

If you're reading this page, you likely fall into one of the following categories of borrowers:

  1. You have recently defaulted and are being contacted by debt collectors; or
  2. You received debt collection lawsuit in New York or New Jersey;
  3. You already have a judgment against you, and you want to avoid bank account seizure and wage garnishment.

If you owe a debt to American Express for a credit card, charge card, or line of credit, call our lawyers to learn your options for relief.

American Express Fined For Illegal Practices

In 2012, a federal investigation found that AMEX violated consumer protection laws during the enrollment, payment, and collection stages of dealing with consumers. An order was issued requiring 3 subsidiaries to refund about $85 million to nearly 250,000 people. This was all a result of alleged illegal card practices by American Express.

About American Express Bank

Initially founded in 1850, American Express ("Amex") is currently headquartered in New York, NY. They account for nearly a quarter of the credit cards transaction in the United States. They actively bring lawsuits through various collection law firms against consumers and business in New York and New Jersey for outstanding credit card debts. In some situations Amex nay bring a lawsuit within just a few months of when the borrower enteres delinquency on the credit line.

Amex and its subsidiaries provide a broad range of services, including:

  • Charge Cards (Optima Card, Gold Card, Platinum Card, Black Card, etc…)
  • Credit Cards (Starwoods and other brands)
  • Travelers Cheques
  • Merchant Processing for American Express Cards
  • Servicing & Settlement of Merchant Transactions

Subsidiaries of American Express include:

  1. American Express Bank, FSB
  2. American Express Banking Corp.
  3. American Express Travel Related Services Company, Inc.
  4. American Express Receivables Financing Corporation IV LLC
  5. American Express Business Loan Corporation
  6. American Express Centurion Bank
  7. American Express Receivables Financing Corporation III LLC
  8. American Express Credit Corporation

American Express Debt Reduction & Lawsuit Defense

Our lawyers help consumers and businesses negotiate settlements to reduce credit card debt with American Express, and we also provide rigorous defense from lawsuit brought by American Express in New York and New Jersey. If your facing collection activity, call our law firm to learn how we can be of assistance.

If you're overwhelmed with credit card debt, contact us at (888) 301-0584 to schedule your free evaluation.

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