Hello all,
I have about 8 credit cards with $40,000 debt. Last payment was about May or June of 2011. Got a settlement offer from American Express for $3,000+ on a $6,000 balance in June of 2012. Still couldn't afford to pay it off, and now I'm being sued by Zwicker for the full amount plus attorney fees. Was planning on saving up enough to pay off the $3,000 in a couple of months, does anyone know how to start settlement talks with AMEX while the lawsuit is still in the court? I want to be able to reach a payment plan with AMEX so Zwicker can drop the lawsuit.