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1 What is Debt Settlement and How Does it Work?
https://www.americanexpress.com/en-us/credit-cards/credit-intel/what-is-debt-settlement/
Debt settlement helps you reduce debt by paying a fraction of your total balance. Learn more about how it works, its impact on your credit score, and its risks.
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2 Negotiate American Express Debt | Bills.com
https://www.bills.com/learn/debt/negotiate-american-express-debt
American Express settles debts for 50 cents on the dollar. Nationwide Credit Corp. collects delinquent debts on a contingency basis. Call centers may be willing ...
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3 How To Settle Debts With American Express
https://alleviatefinancial.com/debt-settlement/can-i-settle-my-debt-with-american-express/
Even though we cannot guarantee that American Express will settle your outstanding debt, from experience working with creditors and with our ...
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4 Dealing with debt collectors for your American Express card.
https://consumerrecoverynetwork.com/question/american-express-debt-collector/
You can pay or settle with debt collectors on American Express credit cards at the different stages of collections. Below is general information about ...
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5 How Long Does an American Express Settlement Take? -
https://blog.vanhornlawgroup.com/how-long-does-an-american-express-settlement-take/
Settling With American Express ... American Express settlement typically requires a lump sum payment that is less than your current outstanding credit card ...
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6 Can I Settle My Debt With American Express? - YouTube
https://www.youtube.com/watch?v=vrDuQ9WLZjo
Alleviate Financial Solutions
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7 When Settling Credit Card Debt, American Express is Different
https://www.youtube.com/watch?v=7YLsjWDgQh4
Michael Bovee
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8 Settlement Agreement between the U.S. Department of the ...
https://home.treasury.gov/policy-issues/financial-sanctions/recent-actions/20220715
Amex agreed to remit $430,500 to settle its potential civil liability for 214 apparent violations of OFAC's Kingpin sanctions. Over the course ...
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9 California American Express Debt Settlement Lawyer
https://www.fullmanfirm.com/services/debt-settlement/american-express-debt-settlement/
How Is an American Express Debt Settlement Different? Most credit card companies have an internal department that helps customers who fall behind. But American ...
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10 Credit Card Debt Settlement Sounds Good, but Beware!
https://www.seattlelitigation.com/blog/credit-card-debt-settlement-sounds-good-but-beware
Amex typically won't settle for less than fifty percent of the debt. On the other hand, most major credit card companies will negotiate ...
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11 American Express Credit Card Debt
https://www.goldenbergfirm.com/debt-collectors-list/american-express-credit-card-debt/
The American Express Company offers a variety of travel and merchant related services, but they are best known for being an issuer of credit cards and charge ...
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12 How to Defend Against an American Express Lawsuit!
https://www.nycdebtlawyers.com/debt-defense-blog/2020/october/how-to-defend-against-an-american-express-lawsui/
American Express has always been tough to negotiate with as their standard range for settlement has been about 40%-55% off of the total debt ...
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13 How to Settle My American Express Credit Card Account
https://pocketsense.com/how-to-settle-my-american-express-credit-card-account-3887165.html
Stop making your monthly payment to American Express if you haven't already done so. American Express will not consider a settlement unless your ...
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14 How to Beat an American Express Debt Collector? - SoloSuit
https://www.solosuit.com/posts/beat-american-express-debt-collector
It is imperative to understand that if American Express is making collection attempts regarding the balance you may owe them, it generally means ...
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15 How to Settle Your American Express Credit Card Account
https://zipdebt.com/american-express-settlement/
If you're facing a legitimate financial hardship and can't make the minimum payments on your American Express credit card one potential solution ...
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16 Sued by American Express Credit Card? - Weston Legal, PLLC
https://www.westonlegal.com/debt-lawsuits/american-express-credit-card-lawsuit/
Many original creditors do not file lawsuits or they sell their accounts to a debt buyer. American Express has historically kept their own accounts and ...
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17 AmEx COVID-19 Credit Card Relief, Explained - NerdWallet
https://www.nerdwallet.com/article/credit-cards/amex-covid-19-credit-card-relief-explained
Whom should I contact for more help? ... If you have more questions, contact AmEx's customer service line at 1-866-703-4169. Or log into your ...
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18 How To Negotiate Debt With Credit Card Companies | Bankrate
https://www.bankrate.com/finance/debt/how-to-negotiate-with-credit-card-companies/
However, your credit score will likely drop as a result of debt settlement, and you may have tax consequences down the line. If you settle a ...
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19 American Express - Shmucher Law, PL
https://flbankrupt.com/american-express/
Your options are fairly limited. American Express will have no issue showing that you owed the money and they are the actual creditor. The best option would be ...
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20 8 Facts about Debt Settlement: Know the Risks!
https://www.consolidatedcredit.org/debt-solutions/debt-settlement/
Credit card debt settlement is a financial risk because you must go into it with the understanding that it will damage your credit. Your current credit score ...
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21 What To Do When You Get Sued For Credit Card Debt - Forbes
https://www.forbes.com/advisor/credit-cards/what-to-do-when-you-get-sued-for-credit-card-debt/
In the U.S., around 28% of Americans struggle with debt in ... But if you do have the financial means to pay, settling the debt might save ...
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22 Proven Results – Debt Settlement Letters (Updated For 2021)
https://www.nationaldebtrelief.com/pastsettlements/
View debt settlement letters for our clients. ... You'll find debt settlement letters from many of the major credit card companies ... American Express logo ...
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23 What to Do if Your Debt Goes to Collections - CNBC
https://www.cnbc.com/select/what-to-do-if-your-debt-goes-to-collections/
For instance, a number of card issuers — including Amex, Bank of America, ... but as you work toward settling outstanding debts your score will consistently ...
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24 If I settle debt with Amex and Capital One will I ever be ... - Quora
https://www.quora.com/If-I-settle-debt-with-Amex-and-Capital-One-will-I-ever-be-able-to-get-a-credit-card-through-them
Not with AmEx. Unless you pay the full amount, you will be blacklisted by AmEx for up to 20 years, if not longer. AmEx is notorious for this. To ...
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25 American Express Collection Lawsuits - Woods Law Firm
https://www.rdw-law.com/american-express-collection-lawsuits
American Express routinely files debt collection lawsuits in all Judicial Districts of the Superior Court of Connecticut, primarily on the regular civil ...
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26 Debt Collection Scams | Office of the Attorney General
https://www.texasattorneygeneral.gov/consumer-protection/financial-and-insurance-scams/debt-collection-and-relief/debt-collection-scams
Scammers are posing as legitimate debt collectors—threatening Texans with debt they do not owe. Their tactics can be very intimidating. Learn how to spot ...
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27 How will settling credit card debt affect credit? - Chase Bank
https://www.chase.com/personal/credit-cards/education/basics/how-will-settling-credit-card-debt-affect-credit
When you work with your creditor to demonstrate hardship (such as loss of job or extended medical leave), they may be willing to develop a settlement agreement.
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28 8 myths about settling credit card debt - CreditCards.com
https://www.creditcards.com/credit-management/myths-about-settling-credit-card-debt/
In addition to the legal obligation dying out, the credit damage will also sunset. Negative information on your credit report – such as a ...
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29 Zwicker and Associates – What You Should Know
https://www.donaldsonwilliams.com/zwicker-and-associates
Creditor: American Express. Outstanding balance: $32,479. Settlement amount: $10,000. Amount of debt reduction: $22,479. (click image to view settlement ...
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30 Debt Settlement Pitfalls - Mitten Law
https://www.mittenlaw.com/debt-settlement-pitfalls/
When you have cancelled or forgiven debts, there is still one last bill to pay; your tax bill. Let's say you owe $5,000 of credit card debt to American Express.
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31 American Express National Bank | Agruss Law Firm
https://www.agrusslawfirm.com/blog/american-express-national-bank/
Creditors like American Express National Bank cannot harass you over a debt. You have rights under the law, and we will stop the harassment once and for all ...
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32 How Will Debt Settlement Affect My Credit Score - The Balance
https://www.thebalancemoney.com/how-will-debt-settlement-affect-my-credit-score-960540
When a debt is settled, a creditor updates your credit report to show a status of “settled” or “paid settled.” While a "settled" status is ...
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33 Pay Your Taxes by Debit or Credit Card or Digital Wallet - IRS
https://www.irs.gov/payments/pay-your-taxes-by-debit-or-credit-card
Will Paying by Card or Digital Wallet Work for You? ... Visa, Mastercard, Discover, American Express, STAR, Pulse, NYCE; PayPal, Click to ...
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34 6 Strategies to Pay Off $20,000 in Credit Card Debt
https://www.incharge.org/debt-relief/debt-management/how-to-pay-off-20000-credit-card-debt/
The upside of debt settlement is that you could get half of your original balance forgiven. The downside is a debt settlement stays on your ...
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35 California Credit Card Debt Settlement Attorney
https://www.debtorprotectors.com/debt-settlement/credit-card-debt/
If you're in need of skilled credit card debt lawyers in the California ... The Debt Buyer will still be there in the future while AmEx offer may go up!
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36 Debt Settlement Letter With American Express - CuraDebt
https://www.curadebt.com/debt-settlement-letters/american-express-debt-03-19-07/
The following is a debt settlement letter for an account with American Express. In the letter, you can see the final negotiated resolution where the client ...
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37 CFPB Orders American Express to Pay $85 Million Refund to ...
https://www.consumerfinance.gov/about-us/newsroom/cfpb-orders-american-express-to-pay-85-million-refund-to-consumers-harmed-by-illegal-credit-card-practices/
Inform consumers of debt collection rights: These American Express subsidiaries will inform consumers when the debt they are seeking to collect ...
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38 How can I negotiate with credit card companies?
https://attorney-newyork.com/knowledge/debt-faqs/how-to-negotiate-with-credit-card-companies/
For example, if you have two American Express cards and one you want to settle and the other you are currently using, it is unlikely that the creditors will ...
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39 How to Pay Down Credit Card Debt - ValuePenguin
https://www.valuepenguin.com/how-pay-down-credit-card-debt
Terms apply to American Express benefits and offers. ... This will allow you to pay off debt rapidly while accruing less interest overall.
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40 National Debt Relief Review - Investopedia
https://www.investopedia.com/national-debt-relief-review-5092836
Debt settlement can cause damage to your credit score since you'll stop making payments on your debts during your program. Make sure you understand the ...
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41 Debt Settlement - Denver Bankruptcy Lawyer - Berken Cloyes
https://berkencloyes.com/credit-repair/debt-settlement/
And creditors all have their own personalities. American Express is not as easy to deal with as, say, Capital One. And medical bills are easier to settle than a ...
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42 American Express | Credit Card Lawsuit Defense - Flat Fee Cost
https://texascreditlaw.com/debt-lawsuits/american-express-lawsuit/
Attempt to Negotiate a settlement with American Express before the answer is due. Many consumers recognize they may owe a debt and choose to ...
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43 Will the Creditor Forgive My Credit Card Debt? - Nolo
https://www.nolo.com/legal-encyclopedia/will-the-creditor-forgive-my-credit-card-debt.html
Credit card companies rarely forgive your entire debt, but you might be able to settle the debt for less and get a portion forgiven.
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44 Remove American Express Collections From Credit Report
https://www.crediful.com/collection-agencies/american-express-collections/
It's best to avoid speaking to a collection agency on the phone. And making payments on the debt will reset the clock. As a result, it could harm your credit ...
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45 Will AMEX refuse a future (take away current) card if I settle for ...
https://www.reddit.com/r/CRedit/comments/j1xpis/will_amex_refuse_a_future_take_away_current_card/
AMEX will likely never issue you a card again if you settle for less. It really just becomes a matter of personal choice. Either way, it is not ...
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46 NIKE JORDAN 1. smoke Gray 26センチ
https://www.thedebtsettlementlawyer.com/what-to-do-if-sued-american-express-debt/
Translate this page
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47 I've Been Sued for Not Paying My Credit Card, What Can I do?
https://mykramerlawfirm.com/bankruptcy-law/sued-for-not-paying-my-credit-card-what-can-i-do/
... $10,000 to American Express or Discover or whatever credit card is out there. ... A lot of times you can settle these debts for pennies on the dollar.
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48 How to Negotiate Debt With Your Credit Card Company | U.S.
https://money.usnews.com/credit-cards/articles/how-to-negotiate-debt-with-your-credit-card-company
Credit implications. When your credit report shows a credit account as settled, it will adversely affect your credit score. However, this isn't ...
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49 Acceptance Under the State Contract - OK.gov
https://www.ok.gov/treasurer/Banking/Merchant_Credit_Card_Processing/Acceptance_Under_the_State_Contract/
The deposits will be booked by credit card type. Visa and MasterCard settle together as one card type, Discover is another type, and American Express yet ...
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50 Credit card settlement programs - Need Help Paying Bills
https://www.needhelppayingbills.com/html/credit_card_settlement_program.html
In general, Amex will also agree to providing a lower monthly minimum payment. The American Express debt settlement and hardship programs are open to all ...
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51 COVID-19 (Coronavirus) Credit Card and Debt Relief - Experian
https://www.experian.com/blogs/ask-experian/covid-19-resource/
This page will be updated as more resources become available. Financial Institutions. At the onset of the COVID-19 crisis, the Federal Deposit Insurance ...
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52 Can I Settle a Debt After a Lawsuit Has Been Filed? - Upsolve
https://upsolve.org/learn/settlement-after-being-served/
If the defense is successful, the case will be dismissed. If that happens, then your creditor can't sue you again for the same debt. At that ...
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53 Stop excessive calls from American Express
https://consumerlawfirmcenter.com/american-express-phone-harassment/
In a debt settlement agreement, the debt collector agrees to close your debt if you pay an agreed amount lower than your original debt. Debt settlement can ...
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54 Using Credit Cards and Disputing Charges | Consumer Advice
https://consumer.ftc.gov/articles/using-credit-cards-disputing-charges
Give you a written notice that describes your right to dispute billing errors. You should get it when you open a new account and periodically after that. What ...
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55 Credit Cards - Center for Responsible Lending
https://www.responsiblelending.org/state-of-lending/reports/5-Credit-Cards.pdf
debt for American consumers and revenue for the credit card industry. ... In October 2012, the CFPB took action against American Express stating that the ...
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56 FAQs | Become Free of Credit Card Debt - American Debt Relief
https://www.americandebtrelief.com/faqs/
Will American Debt Relief provide me with a separate and clear Disclosure Statement?
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57 How to Get Out of Credit Card Debt | The Ascent
https://www.fool.com/the-ascent/credit-cards/credit-card-debt/
When you make payments, it will decrease. This type of debt makes up a big portion of Americans' debt, with total U.S. credit card debt totaling ...
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58 Can You Pay for a Car With an Amex Card? | LendEDU
https://lendedu.com/blog/possibility-of-paying-for-a-car-with-american-express
If you have the Platinum Card and want to use it for a new car purchase, you'll just need to call American Express ahead of time to let them ...
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59 Does Freedom Debt Relief Lie? 3 Things To Know
https://tryascend.com/bankruptcy/freedom-debt-relief-lies
While the case was later settled for $25M, Freedom Debt Relief neither ... Should I Not Do Debt Settlement If I have an American Express or ...
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60 How to Answer a Civil Summons for Credit Card Debt
https://www.debt.com/credit-card-debt/answer-a-civil-summons-for-credit-card-debt/
In most cases of legal matters, it’s always recommended that you hire a state-licensed attorney. Going through legal issues without a lawyer can be ...
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61 Can Credit Card Companies Take Your House?
https://www.natlbankruptcy.com/credit-card-lawsuits/
3. Your debt collector comes after your stuff. How do property exemptions work? 4. Filing for bankruptcy will stop a lawsuit. Seek ...
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62 How to Settle My American Express Credit Card Account
https://lavozdeecuador.com/articles/lifestyle/how-to-settle-my-american-express-credit-card-account.html
While it's always better to try to settle the debt with the original creditor, in some instances American Express will sell the debt to a third-party debt ...
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63 American Express Company - SEC.gov
https://www.sec.gov/Archives/edgar/data/4962/000104746917006524/a2233585z424b2.htm
The notes offered by this prospectus supplement are senior debt securities issued under our senior debt indenture dated as of August 1, 2007. The 2020 fixed ...
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64 GAO-09-748 Credit Cards: Fair Debt Collection Practices Act ...
https://www.gao.gov/assets/gao-09-748.pdf
Fair Debt Collection Practices Act Could Better ... 36An American Express savings bank that issues credit cards is overseen by OTS.
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65 SETTLE or PAY IN FULL with American Express
https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/SETTLE-or-PAY-IN-FULL-with-American-Express/td-p/5255914
I am a CA resident and have a $12000 debt with AMEX spread across 3 ... it will leave you in much better standing with Amex looking forward.
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66 American Express Debt Settlement and Payment Assistance
https://goldenfs.org/american-express-debt-settlement/
AMEX does not have settlement agreements with any debt settlement company. AMEX will settle but settlement rates vary. Furthermore, settlements ...
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67 Being sued by American Express? - Graham Legal, PLLC
https://grahamlegalpllc.com/sued-american-express/
But isn't hiring an attorney expensive? We charge a simple flat fee for debt lawsuit defense. Flat fees mean that you will be told our price in advance, and we ...
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68 AMERICAN EXPRESS COMPANY
https://s26.q4cdn.com/747928648/files/doc_financials/2021/q1/c8b3b960-bfb1-4adb-9afd-cea5d6c55661.pdf
Declines in credit ratings could also reduce our borrowing capacity in the unsecured debt and asset securitization capital markets. We believe ...
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69 American Express targets debt-leery consumers with new card ...
https://ww.fashionnetwork.com/news/american-express-targets-debt-leery-consumers-with-new-card-features,862361.html
News industrie : American Express Co is unveiling a new option that could tempt young, budget-conscious consumers into taking on credit card debt. (#862361)
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70 What Happens to the Balance of a Closed Credit Card?
https://www.cardrates.com/advice/what-happens-to-the-balance-of-a-closed-credit-card/
Many third-party collectors will settle the debt for less than the amount due. ... Screenshot of Amex Rewards Balance.
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71 Credit Card Relief for Coronavirus, COVID-19 - Debt.org
https://www.debt.org/blog/credit-card-relief-for-covid-19/
American Express will report accounts of those who are enrolled and make their required payments as current to credit bureaus.
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72 Candidate | Settling debts for less than the amount owed - FEC
https://www.fec.gov/help-candidates-and-committees/handling-loans-debts-and-advances/settling-debts-candidate/
Salary owed to committee employees, and; Debts arising from loans from political committees or individuals, including candidates. The debt settlement rules do ...
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73 American Express Collection Lawsuits in New York
https://www.hudsonvalleyconsumerlaw.com/american-express-collection-lawsuits
American Express files debt collection lawsuits in all New York State Courts, including City Court, County Court, and the Supreme Court of the State of New ...
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74 Edit billing information - Waze Ads Starter Help - Google Support
https://support.google.com/wazeadsstarter/answer/6153441?hl=en
Note: The updated details will appear in future invoices only. ... I clicked "Pay Now" to settle a debt and got an error.
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75 Tyrese settles American Express debt lawsuit - Page Six
https://pagesix.com/2018/09/27/tyrese-settles-american-express-debt-lawsuit/
"Fast and Furious" star Tyrese Gibson has come to a settlement with American Express to pay off his $61000 debt.
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76 How to Settle American Express Credit Card Debt
https://getoutofdebt.org/29430/how-to-settle-american-express-credit-card-debt
Amex are the only creditor if you pay your card in full after 120, they will give your card (account) back with half of the balance, lets say ...
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77 How Does Credit Card Debt Settlement Work? Is It Right for ...
https://moneytips.com/how-does-credit-card-debt-settlement-work-and-is-it-right-for-you/
How Does Debt Settlement Work? · Your creditor may reach out to you with an offer to settle your past-due account for less than you owe. · A ...
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78 American Express - Texas Consumer Credit Attorney
https://txclf.com/debt-collector-lawsuits/american-express/
Do nothing. Many people decide to do nothing for lack of funds or fear of what can happen. American Express may take a judgment against them and ...
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79 American Express to pay $96 million over discriminatory card ...
https://www.reuters.com/article/us-usa-cfpb-amex/american-express-to-pay-96-million-over-discriminatory-card-terms-idUSKCN1B321E
American Express will end up paying $96 million to credit card ... and less debt forgiveness than offered to customers in U.S. states.
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80 Which Credit Card Debts Are Best To Pay off First? [2022]
https://upgradedpoints.com/credit-cards/best-credit-cards-to-pay-off-first/
Bottom Line: There's no downside to asking the company to reduce your interest rate. The worst they can do is say is no and the upside is that ...
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81 How to Negotiate Debt With Your Credit Card Company - TIME
https://time.com/nextadvisor/credit-cards/negotiate-credit-card-debt/
Depending on how the payment is reported to the credit bureaus, the account could show on your credit report as settled for less than the full ...
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82 How to Get Off of the American Express Blacklist
https://milestomemories.com/american-express-blacklist/
According to reports, suing American Express or defaulting on any sort of debt with them will gain you a spot on their blacklist. Once on the list, you aren't ...
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83 What Happens When a Credit Card Company Sues You?
https://www.businessinsider.com/personal-finance/what-happens-when-a-credit-card-company-sues-you
What to do if a credit card company sues you for unpaid credit card debt · Step 1. Respond to the summons before the deadline · Step 2. Call the ...
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84 Can Credit Card Debt Follow Me Overseas?
https://www.moneymanagement.org/blog/can-credit-card-debt-follow-me-overseas
Technically, nothing happens to your debt when you leave the country. It's still your debt, and your creditors and collectors will continue ...
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85 Amex to pay $112.5 million for violating consumer protection ...
https://www.washingtonpost.com/business/economy/amex-to-pay-1125-million-for-violating-consumer-protection-laws/2012/10/01/fa064ae6-0bd4-11e2-a310-2363842b7057_story.html
In the latest in a series of credit card industry settlements, American Express will pay $112.5 million to resolve allegations of abusive ...
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86 Amex paying $112.5M in late-fee settlements - USA Today
https://www.usatoday.com/story/money/business/2012/10/01/amex-refunds/1607569/
WASHINGTON (AP) -- American Express is paying $112.5 million in refunds and fines to settle regulators' accusations that it charged unlawful ...
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87 How to Settle Credit Card Debt with Wells Fargo - LinkedIn
https://www.linkedin.com/pulse/how-settle-credit-card-debt-wells-fargo-daniel-gamez
A Wells Fargo credit card debt settlement can wind up saving you the financial burden and emotional stress of facing trial, plus you will end up ...
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88 Will American Express Take Me Back After Chapter 7 ...
https://www.cardratings.com/will-american-express-take-me-back-after-chapter-7-bankruptcy.html
American Express maintains strict standards about extending credit after bankruptcy, but it offers some alternative services that could help ...
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89 Guest Blog: Why I'm Grateful I Got Sued by American Express ...
https://mentalpod.com/archives/2429
The debt consolidation group warned me that if I settled with American Express too quickly it would make me a much more appealing target for ...
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90 How to negotiate directly with your credit card company
https://www.helloresolve.com/debt-settlement/how-to-negotiate-directly-with-your-credit-card-company/
Debt settlement — This isn't the easiest process and it will hurt your credit score, but it could be an alternative to bankruptcy in some cases.
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91 Debt settlement offer from Amex - CreditInfoCenter.com
https://www.creditinfocenter.com/community/topic/293168-debt-settlement-offer-from-amex/
American Express DOES blacklist, so paying then in full DOES take you off of their blacklist, if you ever want to do business with them again.
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92 Debt Settlement With American Express - Sunbeam Financial
https://sunbeamfinancial.net/debt-settlement-with-american-express/
First of all, don't try to settle the debt if it is not past due. You will be wasting your time. You need to be 90 to 120 days behind in your ...
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93 Drowning in Debt? This Company Will Convince Your Credit ...
https://www.thepennyhoarder.com/debt/cancel-up-to-half-debt/
You could see your account resolved in as little as 24 to 48 months. And, if for whatever reason National Debt Relief can't settle your accounts ...
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94 Will The Real American Express Please Stand Up?
https://www.accountsrecovery.net/2018/08/10/will-the-real-american-express-please-stand-up/
American Express is seeking to intervene because it sent the letter to the plaintiff in an attempt to settle an unpaid debt and not the ...
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95 American Express Debt Lawsuit Defense - Johnson & Bryan
https://www.jblawtexas.com/Creditors/American-Express-Debt-Lawsuit-Defense
American Express, over the past 10 years, has substantially increased the amount of lawsuits they file to collect delinquent credit card debt. American Express ...
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96 American Express pays $113million after settlement over ...
https://www.dailymail.co.uk/news/article-2211517/American-Express-pays-113million-settlement-deception-credit-cards.html
American Express forks over $113million in repayments and fines over 'broken promises and deceptive debt collection' · Amex will repay 250,000 ...
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97 'RHOBH' Star Denise Richards Settles $20,000 Debt With AMEX
https://www.yahoo.com/entertainment/rhobh-star-denise-richards-settles-191456515.html
Denise Richards can stop leaving home without it, because she was able to settle up on her outstanding credit card bill with American ...
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