You have probably landed on this article due to you have been contacted by a representative of American Express and now you are wondering: why am I being sued? Are they entitled to sue me?
The first question that you need to ask yourself is whether or not American Express is owed any money. If you have not been using their credit card services or have never done so, then there is no way they would be owed any money. However, if you have recently had an unauthorized transaction involving your card, then you may have a legal case against you.
If you decide that American Express is owed any money, then you will need to find out what it is that they are saying that they owe you. You may be able to negotiate this out with them for a settlement. In some cases, the original issue can be resolved without the use of a lawyer. You may also be able to go to court with a complaint about the charges.
Next, you need to ask yourself why American Express is suing you. This is an important question. While you do not need to worry about getting rich off of the fees, if you win you could end up owing a lot of money to American Express. You also need to make sure that you do not have an outstanding balance on your account. Even if you are not in default on your credit card, American Express can still file lawsuits against people who have been late, missed, or charged fees when they should not have.
After you have determined that you are not liable, you may decide to try and negotiate a settlement with American Express through a lawyer. You can contact your local bar association and ask if they can refer you to someone who can represent you. Make sure that your attorney has experience in representing American Express claims, as this can help to make the process much more streamlined.
If you cannot come to terms with American Express on a settlement, then it is time to start looking into other ways to fight back. There are a number of resources online that you can use to look at your options before you contact American Express. For example, you can contact the National Consumer Law Center. They have many resources available for people to review if they believe that they may have a legal case with American Express.
When you do contact American Express, remember that the process can get long and drawn out. If you want to avoid being sued, then you need to get everything sorted out quickly.
When you are sued, it is imperative that you do everything you can to ensure that you do not spend more than you need to when filing a lawsuit. Many people end up having to spend a lot of money on legal fees. If you have never filed a suit before, you may want to consider talking to a lawyer to get the process started on the right foot.
You will also want to make sure that you hire the right lawyer for your case. You do not want to end up paying for a lawyer that does not have enough experience in these situations. Instead, you should be looking for someone who can help you out as you go through the process.
When you have reached the point where you want to go forward with a lawsuit, make sure that you take the time to thoroughly prepare for it. by doing research on both sides of the case, as well as your options and your financial situation. You will need to know what you need in order to go forward, as well as how much you can afford to pay upfront.
If you are unable to come to terms with American Express on a settlement, then it is time to try and find new forms of debt relief. that is not only more affordable but more effective.
In some cases, you may even be able to find that you can eliminate your credit card debt completely by going with a credit card debt consolidation company. By using the help of a credit counseling service, you can pay off all of your credit card debt without having to spend any money on loans to pay it off.
