Stop creditor harassment and excessive calls from American Express
There are only few experiences that are as unnerving as being on the receiving end of a phone call with a debt collector like American Express. Daily, people continue to receive calls from American Express and other debt collectors who are trying to get money from them. If American Express is calling you concerning a debt, you need to have a full understanding on debt collection and how it works.
Debt collection calls are usually unwelcome by people because of the things that come with them. Most debt collectors are only interested in getting money from the people they call, thus, they resort to using any and every tactic within their reach in their debt collection process. Some collectors engage in deceptive practices that violate consumer protection laws, including misleading statements and unlawful threats.
American Express phone* harassment* is the last thing you need if you owe and are trying to look for ways to pay the debt. It becomes even worse if you do not actually owe the debt being spoken about, yet you’re made to go through unpleasant things during American Express debt collection. Consumers are often harassed by these deceptive practices.
Fortunately, there are federal laws that protect your rights when it comes to things like american express collections. The Fair Debt Collection Practices Act is one of such. This law is designed to prevent such violations and hold companies like American Express accountable.
According to this law, American Express phone harassment and every other form of debt collection harassment is illegal. During American Express debt collection, all activities that involve harassment, threats, and lies, should be avoided because they are against the law. American Express and other collectors are not allowed to engage in any practice that constitutes a violation of consumer protection laws.
If you experience any of these during American Express debt collection, your rights have been violated and you can sue American Express. If you have been harassed or subjected to deceptive practices, you have the right to take action and ensure the company is held accountable. Call us now to get help.
Things you should not do during American Express debt collection.
Most times, debt collection calls are sudden and unexpected and american express collection tactics are limitless. This is why most people are completely unprepared and get scared when the call comes. This usually leads to them making a whole lot of mistakes which will cost them later. When a debt collector calls you, avoid making the following mistakes.
- Being ignorant of your rights. If you get a call from american express collection department, the first thing you need to know is that you have rights and what they are. This will give you the boldness you need to communicate with american express debt collectors and eradicate fear from you. You will not respond to American Express phone harassment in fear. Rather, you’d know that your rights have been violated and you can sue.
- Fear. Fear is a cruel master and can make make costly mistakes. When a debt collector calls, fear will definitely try to creep into your heart. Don’t let it. Remain in charge of your feelings. This way, your decisions will be better and more sensible.
- Saying too much. The worse mistake anyone can make on a debt collection call is volunteering information. This is completely to your disadvantage. Especially if the debt collector on the line is a fake debt collector. You may be giving them information that they did not even have. Giving them more power and access. Never assume the debt collector’s claims are accurate without specific evidence. Also, avoid believing everything the collector says, as they may misrepresent the facts or the status of your debt.
- Speaking out of pressure and fear. Debt collectors are pros at putting people under pressure. A decision made under pressure is not likely to be the best. This, if american express global collections is intimidating and scaring you, you do not have to talk or make decisions then. You can ask them to end the call and give them a different time to call you.
- Admitting that you owe the debt or making an instant payment of a token towards the debt. This is a very wrong move. The moment you admit that you owe a debt, you can be held legally over it. Also, if a debt collector convinces you to make a payment of a token immediately for you to avoid trouble, don’t fall for it. Making payments on old debt can restart the statute of limitations and have legal consequences. Always request specific details about the debt before making any decisions.
- Providing information that could be used to target you as applicants for new credit products. Be cautious about sharing personal or financial details that could be used for marketing or qualification purposes.
American Express?
American Express Company is a financial services corporation that is best known for their credit cards. The company issues millions of credit cards across the world. Over the years, the company’s business practices have resulted in legal actions and settlements, impacting its business reputation and operational integrity. In 2018, a matter involving American Express Company and its subsidiaries led to a TCPA class-action lawsuit filed in Illinois. This lawsuit accused American Express of using automatic dialer or an artificial or prerecorded voice calls to harass customers. The lawsuit was reported to regulatory authorities, and the company was required to take specific actions as a result. American Express denied any wrongdoing or guilt but settled the case for over $9.5 million dollars. The board, governors, and comptroller of financial institutions oversee such matters to ensure compliance and ethical business practices. The company’s actions have impacted customers, including issues with credit bureaus, credit scores, and consumers’ credit reports. The company was also accused of making misleading reports about account benefits and failing to provide required information to customers, resulting in further scrutiny of its business practices.
Contact Information
This is the office address of American Express Company:
World Financial Center
200 Vesey Street
New York, NY 10285-0001
http://www.americanexpress.com
American Express Debt settlement
A debt settlement agreement is a specific arrangement between the account holder and the collector, where the debt collector agrees to close your account if you pay an agreed amount lower than your original debt. Applicants for debt settlement may be required to provide specific information about their account and financial situation to determine eligibility. While debt settlement can offer benefits such as reducing your overall debt, it may also result in interest charges or tax liabilities on the forgiven amount. Debt settlement can however be quite tricky because it hurts your credit score and, in some cases, it requires that you pay taxes on the amount of the debt that was waived. A debt collector may also trick you into settling an already paid debt, or a debt for which the statute of limitations has expired; which revives the statute of limitations on the debt. So you must know all the details about the said debt before you agree to settle with American Express
CONSUMER RIGHTS LAW FIRM, PLLC
Consumer Rights Law Firm, PLLC is a law firm that specializes in helping clients who are facing harassment from debt collectors in any form, including telephone communication. Rather than suffer alone, contact a legal professional to stop the harassment from American Express.
If you are interested in protecting yourself against American Express harassment, call us at (877)700-5790 for immediate assistance or visit our website at
American Express is also searched for by other terms. They include:
american express collections
american express global collections
american express collection department
american express collection tactics
american express debt collectors
american express optima card settlement
american express settlement offer
gatestone american express
american express collection
credit card settlement
american express debt settlement
american express settlement
what happens if you don’t pay american express in full
american express debt collection lawsuit
american express collection agency
american express debt collection
american express collections phone number
american express settlement offer letter
american express use of debt
american express suing me
american express legal department
central credit services american express
amex collections
has anyone settled with american express
american express way to pay
american express collections department
american express lawsuit
american express charge off
american express delinquent accounts
american express lawsuits
american express credit card phone number
american express credit card settlement
american express debt consolidation
american express collections department phone number
american express hardship program 2016
amex lawsuit
reinstate cancelled american express card
call american express credit cards
gc services american express
american express credit services
nationwide credit inc american express
will american express settle debt
american express collection department phone number
pay my american express bill
american express hardship program
amex pay by computer
amex settlement offer
amrucan express serve 2 days early reddut
american express reinstatement
check out a link for more information:
https://consumerlawfirmcenter.com/revenue-enterprises-debt-collection-harassment/
https://consumerlawfirmcenter.com/stoneleigh-recovery-associates-debt-collection-harassment/
Kohl’s Phone Harassment? Stop the Robocalls.
