American Express. two cards.. (hope i am right area, newbie member)

briefly, last june i could not pay amx after 10yrs, I was already about 3mths behind, i sent in 1,000 dollars to each account, but my mtgs were getting behind so i put my money there, I called amx worked out payment arrangemnts, I paid up till Oct 2008 when one day i got notice from credit alert. that amx had charged off both accounts, even though i was paying.it used to be listed as "in collections" I stopped paying, tried to get answers, company called collect corp called, wanted payments, i asked who owns this account, they said american express, so i said I will continue payments if they will change credit listing as in collections, nowa month later two attorneys are calling, i said i will make payments monthly please let me know who owns account, they offered discounts to pay all in full, i said I cannot and I do not want discount, i will pay in full in about 6mths, then can i get my card back? the both said yes, I then got form letters from american express saying how to get my card back, but with no phone numbers, i call american express and they always say the same thing, when the accounts were charged off, we sold them, so I am totally confused, i got an address for amx general counsel, should I contact them there?please advise if anyone knows, should i spend the money on attorney now? I don't want to go to judgement and have them come after my bank accounts ect, thanks everyone,

 

Thank you,

yes, I am even thinking that the attorney collectors, know my hot button is thinking american express still owns these accounts, maybe they were able to get amx to send something, cause there is no phone number on either letter from american express. my reasoning is, i would like to be able in the future to go back to american express get my cards back after I pay them in full, and get my credit cleared up, i acknowledge the debts, i do not expect any discount, and i want to pay them both, but ihave to prioritize, food, utilities, mtg, gas before i can pay them more. but these collectors will hear nothing of that, they jsut want me to agree to a huge monthly payment, one i cannot make right now, ........... also, from the posts i read, i might offer this advice to those who judge others who cannot pay their bills, well, I was always a very responsible person, still am, but collectors treat you like dirt, you start out with them nice, they get all your information then the angry converstations start, i have had to learn to toughen up, anyway, in all the boards i read about mtgs and credit, there are some people who post, look you took out the loan, or the debt, pay it back......... well, until my world crashed, i might have been a bit that way, alot of americans are this way of thinking, but things happen to good responsible people, and I have learned alot going through this I owe alot of money, i do not want to go bankrupt, i never did, i want to pay .... as i can... most people do, but tons of us have been hit hard, and those who have not ,should have compassion. and be thankful

 

HEY THANK YOU EVERYONE... I actually kept calling amx and a very nice guy said again "we do not own these accounts anymore".but here is the number for the general counsel, so, i just immediately popped off a letter (I always send certificate of mailing, i think its better than certified cause no one has to sign) anyway, solved the smaller card today so no lawsuit, but the bigger card, they want a huge payment almost 5,000 per month, i just cannot afford, he said let him know by tues or they take me to court, he said its AMX they will not budge, so??? any suggestions?? thanks again

 

Amx wants $5,000 per month,egads!!

Thanks for your advice hedwig, i have tried to get through to general counsel, i never got response back from my certified letter either, i called the attorney in new york who said if I cannot pay the $5,000 by the 10th he transfers file to california and they will sue, its strange, i have a smaller amx account and they agreed to my request of $1,000 monthly, which i can do, and i only need 6mths till I can pay, but cannot pay more than $2,000 on the other, they want $5,000 seems crazy to me, but the guy with the smaller amx account said he used to handle larger ones and amx tells the atty try for week or so then we go to sue............... not really sure what to do?get an attorney? i am sure i will be served any day.. anyone, any ideas??

 

Well my certified letter to the general counsel came back today ,,, return to sender. i sent it to teh general counsel american express office miramar florida, does anyone know different address or way to resolve this? thanks you

 

HEDWIG................ first, i am very appreciative ofyour help. i will send to that address today, I also had read of success when amx client sent a letter to th CEO PRESIDENT. but i do not know if this information is current since her story was from 2003,, any idea??

Here is the address for the CEO -- this goes directly to his office rather than just some random AMEX P.O. Box:

Mr. Kenneth I. Chenault
CEO & President
American Express Corporation
200 Vesey Street
New York, NY 10285-4013?????? current?


Thanks again Hedwig

Djdavisla

 

Please Help, Please Advise, Thank You

SO...... friday the 19th i was supposed to make payment of 1,000 dollars on amx acct. i agreed to the atty office was great, balance is about 13,000 dollars. but same day i get a letter from another atty , now in calif. they are validating the 95,000 dollars i owe to amx.i pay it all or they are suing me.in calif... i talked, sent letters , emails to everyone listed in corporated offices, ect. requesting to pay 2,000 per month for the next 6mths, then the balance. NOTHING no reponsed, my credit listing with them went from "incollections to charge off, to last week, BAD DEBT WRITE OFF. is this when i have to go get an attorney? a bankruptcy atty, long story, but financial collaspe and i am trying to make best of it, i have payment arrangements with all my lenders, credit cards, but amx, has been impossible, is my only option now to declare bankruptcy? i just need like 6 months to liquidate some things. ug. also someone posted a great letter about stating you are in bankfruptcy to buy about 3mths, should i send that to this atty? thanks for all your help

 

Should i use this letter? this member was banned? pls advise, thank you

08.06.2007, 23:10
appylon
Banned Join Date: Jul 2007
Posts: 129

Quote:
Originally Posted by susanna
I'm thinking since the atty changed the court date to Oct. 2 he may not show. They may have just forgotten to file the continuance paperwork...If that's the case, I may ask for a dismissal. What do u think?

Don't count on it Calif. allows bottom feeders to call in on all matters except giving direct evidence. If he doesn't go into court or call the court will take it off
calender.

Here is a letter I like to send out some times when people need time.
It makes collectors and alike stop take notice waste time and there money
could give you an extra 3+months. Enjoy I do......



(date)

(bottom feeders name)
(address)
Account Number:

To Whom It May Concern:


On (date), I filed a voluntary petition under Chapter 7 of the U.S. Bankruptcy Code in the Bankruptcy Court for (your District and Division.) The case number is # CO (make one up). No attorney is representing me.

Under 11 U.S.C. § 362(a), it is against the law for you to do any of the following:

â?¢ take any action against me or my property to collect any debt
â?¢ file or pursue any lawsuit against me
â?¢ place a lien on my real or personal property
â?¢ take any property to satisfy an already recorded lien
â?¢ repossess any property in my possession
â?¢ discontinue any service or benefit currently being provided to me, or
â?¢ take any action to evict me from where I live.

A violation of these prohibitions may be considered contempt of court and punished accordingly.

Very truly yours,

(your name)
(address)

 

2american express accts

just checking in if anyone has any ideas, i sort of feel like i am in a canoe going down the rapids and I can see that the falls are ahead. looks scary, cause i don't see much i can do to stop going over the cliff..... egads
I have the two amx cards, one with 15,000 i said i could pay 1,000 a month attorney was cool. the other account is 95,000 and i said i could pay 2,000 per month, (they hit me up on this one with 1800 dollar per month late charges. anyway, i only asked for 6mths . i have not paid since last october 08. well this atty said i need you to pay 5,000 per month, and I don;t have really any income , just selling off assests and that takes time. so he stopped calling, it was 5,000 or we transfer the acct to california where i live and they will sue you, so i did not pay the smaller acct, cause i figured whay should i if they will not accept 2,000 for the larger one, so is my only option now to declare bankruptcy? i would prefer to pay my debts, but jsut cannot come up wtih these funds right now, i wrote many letters to amx to general counsel, exec offices, one secretary for corporate person called christmas eve, that impressed me, but she said once its at this point nothing they can do. ok, merry xmas..........hmmm, what is the CARE program someone mentioned?? so, any ideas?? anyone?? on monday i will contact a couple bankruptcy attornerys, i don't want to have them attach my bank accounts ect. i had a friend who had a judgement and they actually went to his house wit sherrif and office and took computors, paintings, anything they could to settle jugement, i will not let that happen... PLEASE HELP

 

amx, general counsel

thank you again, everyone, yes i did call and sent cert letters, i got a call from louise parents office her asst. she is the general counsel for amx, the asst called me xmas eve, but she when it gets to this point they cannot help me. so I will keep exploring, talk to bk atty monday, as for my mental sanity, its not that stressful, for the past 6mths i have dealt with negoiating 14mtgs, and other companies i owed money to, i by no means want to not pay people but its an amazing study in human behaviour when the money is gone, and i cannot say that i would be different, maybe more understanding, like when a tenant cannot pay men, i try to understnd, the solution, be somewhat patient see if they are being truthful, but here in my situation, when you really want to pay, and you are a person who normally pays all of their obligatinos, but your income goes from very high to zero in a matter of weeks, and you try to sell things and they won't sell at any price that will get you any money, well, people get ruthless , they want their money, so you learn to toughen up, cause if you let them, the calls, the rude behaviour will push you over the edge, so i protect myself, work on ways to pay obligations and move forward, and any thoughts, ideas please share , right now, i am just going to get more information from a bk atty, even if its just to buy time............ thanks again