Can I contact American Express’s client directly?
Usually when a creditor sends a debt to American Express to collect, they usually do not speak to you. If you call them, they will most likely ask you to call American Express. Even if you make an arrangement with the creditor directly, you will still need to contact the law firm to make sure that the lawsuit reflects the new agreement. If you do not work out a resolution directly with American Express, then you risk them continuing with the lawsuit and they may take a judgment against you. If you need help negotiating a settlement, contact a consumer credit attorney.
American Express is a debt collector too
Received a letter from American Express? They usually will send a demand letter before they file a lawsuit against a consumer. This letter should state who their client is and how much money they are trying to collect from you. DO NOT IGNORE THIS LETTER. If you receive this letter, you may want to send a letter to them disputing the account. American Express is acting as a third party debt collector that is governed by the Fair Debt Collection Practices Act (FDCPA). This means that if you discover problems with the way they are collecting the debt you may have more leverage against them when trying to resolve your lawsuit or debt collection issue.