I received a collection letter from GC Services (a collection agency) requesting payment to them for a debt I owe to American Express. At the same time, I am still receiving monthly statements from American Express for the same debt requesting the minimum payment which has been accumulating for several months. When I received the letter from the collection agency I promptly sent a debt validation letter but have not yet heard anything (not been 30 days yet.) I wonder how American Express and GC Services can both ask for payment? Keep in mind the letter from GC Services was not a request to pay American Express. GC Services wants me to send them the money.

Am Ex did the same thing when it was still with the first collection agency they sent me to (so far there have been three). Once I read the entire statements from Am Ex a little more carefully, I noticed it had words to the effect that it was only a curtesy statement and that I needed to contact the collection agency for payment. Does it say anything like that on your AM EX statement?

That's very interesting. So that makes me wonder - if I were in the same situation, if I would be charged twice. i guess yo have to be carefull of teh working of the collectnio agencies. Having to pay twice would be aweful!