We all know zwicker and associates is really just a glorified Collection Agency masquerading as a lawfirm. WASHINGTON (AP) — The Supreme Court handed American Express a win Monday in a lawsuit over rules it imposes on merchants who accept its cards. We felt this was much more benefit-oriented and personal than the Legal At any rate. For American Express, we reasoned that some people might think, "It the Control The Supreme Court noted that the company has traditionally charged higher fees to merchants than competitors because it delivers wealthier cardholders who spend more money. The chances are Attorney, for only $14.99 a month. American Express is historically known for charging retailers higher fees to use their cards. But — lucky for us — of our other clients - and my own company. Now, in our increasingly litigious society, you would expect a plan like Services Plan. However, the US Court of Appeals for the Second Circuit later reversed that ruling, stating that Amex must balance businesses and cardholders as its clients and that the lower court had erred in not taking the cardholder side into account. Under their contracts, merchants who accept… Check your processing statement to locate the costs you’re paying for American Express transactions, and compare them to the costs for Visa and Mastercard transactions. product. Despite that, the Supreme Court agreed to hear the case and will determine whether the American Express anti-steering provision violates federal antitrust rules. In late summer 2017, the Department of Justice asked the Supreme Court not to take the Amex case, arguing that it needed to be addressed more fully in lower level courts. The Plan gives you and your family 24-hour emergency access to a highly-qualified Step 2: How to answer a civil summons for credit card debt by filing an answer with the court document.write (now.getFullYear()); Is Amex really that much more expensive to accept? three specific questions: "You have a big problem with a small contractor. ET AL. You can avoid the hassle of filing an answer formally with the court. The debt was paid in full to American Express directly where they accepted The payment and zeroed out the balance of the account. A discovery like this can be unsettling! American Express has defended its practices. Now I just need to tackle the lawsuit that they filed. The interesting thing about this offer is that most companies have a Back in February, a federal court ruled that American Express merchant agreements violate antitrust laws, resulting in higher costs for consumers, by … Attorney to Attorney on Call. However, there’s no requirement to accept American Express. Let’s look at the arguments on both sides and the results of the case. We are available to assist you Monday through Friday from 9:00 am to 4:00 pm Eastern Time. For businesses that accept Amex but prefer that a customer use Visa or Mastercard, the Supreme Court’s ruling can affect whether you’re able to encourage customers (either verbally or through discounts) to utilize a different card. These defenses may be useful as leverage in the event that a settlement has to take place to resolve the case. However, you have to look at the counts against you on the complaint. for any reason, they could simply cancel the plan and receive a 100% refund. easy-to-read format, and also address any possible questions your prospect As he learned more about the inner‐workings of the industry, rampant unethical practices, and lack of assistance available to businesses, he cut ties with his employer and started a blog where he could post accurate information about credit card processing. Circuit Judge Richard Wesley, quoted by Reuters, wrote, “Though merchants may desire lower fees, those fees are necessary to maintaining cardholder satisfaction.” Many cardholders are drawn to American Express due to the robust rewards programs the company offers; such programs are partially funded by the fees businesses pay. Phone: 781-784-8283 This can happen even if you have a valid defense to the claim. The provisions in American Express’ merchant agreements are meant to dissuade customers from using cards from Visa and MasterCard at retailers that take American Express cards. Use the secrets that credit card processors don't want you to know to drastically lower your credit card processing fees. That's even though Visa and MasterCard generally charge merchants lower fees. If you accept American Express and think you’re paying too much, the first thing to do is identify if you’re eligible for OptBlue pricing and if your processor charges accordingly. I recently disputed a charge for ~$161 from Care.com I found on my Starwood Preferred Guest® Credit Card from American Express. American Express uses its higher merchant fees to offer its cardholders better rewards. If you have had financial setbacks that caused you to stop paying American Express, but your accounts are already out for collection, you are generally going to find that any payment arrangements you make, settlement offers you receive, or are able negotiate yourself, will go through the debt collector that is currently collecting for AMEX. Today, American Express is a credit card issuer and a card network, and one of the biggest. I had already filed an answer to buy more time as I knew I would have the … Now it was time to think about the offer. Attorney for an entire year - for less than the cost of a single consultation.". for this service? On June 25, 2018, in Ohio v.American Express Co., the U.S. Supreme Court affirmed the decision of the U.S. Court of Appeals for the Second Circuit and held that American Express’ “anti-steering rules” — which prohibit merchants from discouraging customers from using their American Express cards in favor of other payment cards — do not violate Section 1 of the Sherman Act. A credit card lawsuit is basically a "breach of contract". Follow the link to find a local bankruptcy attorney and go talk to one. We’ve used this technique with several Their control mailing was a 6 X 9 Kraft colored envelope with a 2-page to spend a fortune. to fully open it, and view three panels before you can even get to the My last question is always the same — regardless of what kind of Now, credit card companies like American Express, Citigroup, and Discover are filing lawsuits and going to court trying to collect money they say is owed to them by their borrowers. OHIO . ET AL. * Beat The Feds In Court A Self Help Legal Resource For Every American * Uploaded By Anne Rice, this item beat the feds in court a self help legal resource for every american by edward aaron harvey sr paperback 4767 available to ship in 1 2 days ships from and sold by amazoncom free shipping learn the classified legal secrets that the The process was easy, and my account was reimbursed in just a few weeks! When a business on the OptBlue model has a competitive markup, fees are closer to Visa’s and Mastercard’s. In late June 2018, the United States Supreme Court ruled in American Express’ favor. — a Q&A section. But since debtors fail to show up in court for most of these cases, weak claims — including interest charges that are made up out of thin air — can slip through the system. Sharon, MA 02067 In re American Express Merchants’ Litigation, 634 F. 3d 187, 200 (CA2 2011). If the Supreme Court rules in Amex’s favor, you would not be able to encourage the use of other cards in place of Amex. reading your letter or brochure agrees with even one of them — they needing the services of an attorney in the coming year. I’m always delighted when a client is willing to test two or more company or product I’m writing about. very effective. The radio show is a good example of how this same think happens day-after-day across America. The Supreme Court handed American Express a win Monday in a lawsuit over rules it imposes on merchants who accept its cards. We also added an element that I recommend in virtually every mailing guarantee, but they don’t advertise it. We added a no-risk 30-day trial. The federal Fair Debt Collection Practices Act provides the right to request verification of a debt, but you must put your request in writing – and send it, ideally, by certified mail. However, if the Supreme Court rules in the States’ favor, you would be able to suggest a different card. As the blog gained in popularity, Ben began directly assisting merchants in their search for a processor. American Express argues that its rule ensures that businesses don’t discriminate against Amex cardholders. but I’m a long suffering Red Sox fan…). and your family; and telephone calls and letters from an Attorney, on 3) Target National Bank vs. Our Client 985321; Harris County Court #2 If you can anticipate their main objection, you can American Express credit card spending accounted for 20% of U.S. credit card spending in 2019.   Its duo issuer-network role means American Express is the primary source for all your needs and questions as a cardholder. NPR… Fighting a traffic ticket may feel like an uphill battle. If you fail to file a timely answer, the Court may enter a Judgment against you for that reason alone. Our brochure cover asks these three provocative questions: "Are your response rates going down, and you know you could important learning that can be applied to future programs. yourself and your family with this Plan. The goal is to get the prospect to nod their head and murmur, "That’s His dedication to transparency and education has made CardFellow a staunch small business advocate in the credit card processing industry. No. Step 2: How to answer a civil summons for credit card debt by filing an answer with the court For example, you could participate in negotiation or mediation and get the debt cut 50% or so. and surprise — it’s the American Express Attorney Access Plan. ... but not limited to, American Express, Bank of America, Capital One, Chase, Citi and Discover. was access to a qualified attorney. CERTIORARI TO THE UNITED STATES COURT OF APPEALS FOR THE SECOND CIRCUIT . WASHINGTON (AP) — The Supreme Court handed American Express a win Monday in a lawsuit over rules it imposes on merchants who accept its cards. This will allow for any affirmative defenses to be asserted. from other companies, some were voted down. WASHINGTON -- The Supreme Court handed American Express a win Monday in a lawsuit over rules it imposes on merchants who accept its cards. Out-of-court settlement is usually the best option. they were committed to testing two very different alternatives. American Express Wins in the Courts | The Motley Fool … ", "You want to talk to an Attorney, but you don’t want But, it has been discovered their legal processes are just as faulty and fraudulent as their predecessors, Bank of America and JP Morgan. American Express Data Security Operating Policy, Understanding American Express Merchant Services. 5 Post Office Square Need help determining if you’re paying too much for Amex? The states claim that American Express charges higher fees than the other credit card companies and that the anti-steering rule prevents competition by prohibiting businesses from suggesting that consumers use a card with cheaper fees. Who can you call? A federal appeals court has ruled that American Express (NYSE:AXP) can block merchants that accept its cards from steering customers toward lower-cost cards from other issuers. Association The debt was paid in full to American Express directly where they accepted The payment and zeroed out the balance of the account. Essential news and expert tips in your inbox every week. Branded merchandise always works well when Be advised due to sheer volume of questions we cannot answer question here. American Express’ merchant agreement includes an “anti-steering” clause that prohibits businesses from encouraging customers to use a lower cost card when they try to pay with an American Express card. By continuing to use this site you consent to the use of cookies on your device as described in our cookie policy unless you have disabled them. Amex is still likely to be more expensive, but it’s not as large of a difference as it once was. Where can you turn?". You can avoid the hassle of filing an answer formally with the court. Or both? your behalf. OptBlue attempts to combat higher fees and bring the cards closer in cost to other brands. The 5-4 decision found that the states did not make a case that American Express’ anti-steering rules harm cardholders in addition to businesses. Direct Marketing SUPREME COURT OF THE UNITED STATES . The Court of Appeals stood by its reversal, stating that its earlier ruling did not compel class arbitration. In 2015, a Brooklyn federal court sided with the states. Did you know collection attorneys who are looking for an easy win will sue you under an account If you were sued in justice of the peace court, you have until the first Monday following the expiration of 10 days from the date you were served to file your answer. It gives us additional opportunities to succeed — and it often provides e-mail: ARosenspan@aol.com, The American Express Legal Services He says the time and effort spent on taking a company to small claims court… Previously, the Department of Justice has been involved in the lawsuits on the side of the states, but did not join the states in the appeal to the Supreme Court. Plan. If the costs are too high for your business, an option would be to simply not accept American Express at all. American Express had tried for this program. We use cookies to give you the best possible experience on our website. Some of the ideas were already registered To our surprise, both of the new direct mail packages beat American Express’s Start here. The debt collector will be required to produce a copy of the original written agreement between you and the credit card company and proof that it has been assigned the debt. to testing — and it often pays off very well for them. in a doubleheader! Bloomberg further clarifies that the court claims that the states failed to prove that American Express’ rules harmed cardholders. Related Article: OptBlue Pricing Backfires for Businesses. In those situations, it would make sense to focus more on ensuring that you’re getting the lowest possible Amex pricing for your business. I am scheduled for a hearing for Summary Disposition tomorrow. The first was a simple #10 package, which included a personalized letter, This "Questions" package was very different from anything else Inside it admitted, "You’re Probably That's even though Visa and MasterCard generally charge merchants lower fees. this to do very well — and it did for a number of years. can you resolve it? Syllabus . In late June 2018, the United States Supreme Court ruled in American Express’ favor. Only then, when you fully open the brochure is the answer revealed — Bankruptcy is a legal protection you have and it will terminate the debt with American Express. I have responded to … Under their contracts, merchants who accept American Express generally can't encourage customers to use other credit cards. American Express is one of the few companies that are really committed OK. Close. In the best case scenario, a defendant of an American Express suit will have the benefit of being represented by counsel. ET AL. — but I knew it would. To our surprise, both of the new direct mail packages beat American Express’s long-standing control, which is like beating the New York Yankees twice in a doubleheader! We also cited statistics that talked about the likelihood of an individual 11 states, led by Ohio, are challenging the rule on the grounds that it violates antitrust laws, which are designed to ensure fair competition. MARY LOUISE KELLY, HOST: The Supreme Court has ruled that American Express can force restaurants, dry cleaners and other businesses to … He says the time and effort spent on taking a company to small claims court… We’ve used this technique with several of our other clients - and my own company. This technique of first identifying the problems that people may be having The cards have typically cost more to accept than Visa or Mastercard. http://youarelaw.org - Not legal advice. Why not try this idea for your next mailing? If you’re in an industry that takes a lot of American Express cards – such as B2B services, dining or entertainment with lots of corporate clients, etc. was a very compelling headline: "Now you can have 24-hour emergency access to a highly qualified they’re yours. often come up with a way to diffuse it. Ben Dwyer began his career in the processing industry in 2003 on the sales floor for a Connecticut‐based processor. At any rate. That rule is at the heart of the case. alternatives. Understand, too, that credit card companies don’t sue capriciously, but if you fail to make the minimum monthly payment and have a high balance, you’re going to get the dreaded phone call or court summons. surprisingly high. You may have heard that a case involving American Express went to the Supreme Court. ", "Is your next direct marketing project important to you as you’ve seen one of them before? Alan Rosenspan & Associates CERTIORARI TO THE UNITED STATES COURT OF APPEALS FOR THE SECOND CIRCUIT . Thanks to Steve for permission to repost here on The ZipDebt Blog.]. American express suited me in court. CreditCards.com credit ranges are derived from FICO® Score 8, which is one of many different types of credit scores. gift. The 5-4 decision found that the states did not make a case that American Express’ anti-steering rules harm cardholders in addition to businesses. was very different. What can I do? Out-of-court settlement is usually the best option. We came up with about a dozen ideas — everything from My Personal Fax us at: Fax: 772-360-4756 When contacting, please be prepared to provide your American Express File Number and Case Style. legal consultation or review; a simple will prepared or updated for you OHIO . 16–1454. However, in 2015, American Express rolled out a new pricing model, called OptBlue. v. AMERICAN EXPRESS CO. The Court agreed that American Express funds their robust rewards program in part through higher swipe fees. long-standing control, which is like beating the New York Yankees twice Plan, which is designed to protect Cardmembers against rising legal The Supreme Court handed American Express a win Monday in a lawsuit over rules it imposes on merchants who accept its cards. If the respondent wasn’t satisfied Chances are, you may not need an Attorney. Express control is like beating the New York Yankees. The control package used a stylish American Express document bag as a It found that Amex violated antitrust laws in enforcing the anti-steering requirement. Learn more at americanexpress.com. ", "Did your agency show you just two or three ideas, and you think But there was one thing more to consider: Whenever we do a direct mail package, I try to answer this question: "What would stop people from responding?". Your email address will not be published. Right, "…but with the rising costs of legal services and the growing Now I just need to tackle the lawsuit that they filed. – then forgoing Amex may not be your best business decision. If you settle the debt out of court, the creditors and their lawyers can withdraw the case. free gift when you enrolled. (Businesses processing more than $1 million/year in Amex will need a direct account with American Express.). You should give some thought to trying to settle the lawsuit out of court. According to the Federal Reserve, American credit card debt reached $949 billion in 2016. letter, and a 16-page brochure. Are you being sued under a breach of contract or under an account stated theory? Finally, this might just be the straw that broke the camels back and no matter how hard you’ve tried to dig your way out of this, bankruptcy might be the logical approach. Instead, the brochure starts with three panels that ask the prospect The cover of the lift note read — "Don’t Think You’ll There’s a problem, though. v. AMERICAN EXPRESS CO. brochure and order form. Get baseline pricing to see where you should be, and give us a call for expert analysis. The "problem first" idea worked really well for American Express Once you determine if you’re eligible for OptBlue, you’ll need to find out if that’s the pricing model you’re on and what you’re paying for a markup. The court heard arguments in early 2018 and ruled in late June. How And finally, we addressed this issue with a small lift note, which was Thankfully, American Express makes it easy to dispute unfamiliar transactions. © now = new Date() you have a well-known and well-respected name — so we kept the free However, settlement could save you … For this program, we tested two direct mail packages against their control. "You’d like a simple will to protect you and your family. are already nodding their head "yes" when they get to the product. In fact, you have well as your company?". I have been sued by American Express Centurion Bank represented by Zwicker & Assoc. CCDC has partnerships with issuers including, but not limited to, American Express, Bank of America, Capital One, Chase, Citi and Discover. History of the Case – Lower Court Rulings, How Ohio v. American Express Could Affect Your Business. Under their contracts, merchants who accept American Express generally can't encourage customers to use other credit cards. Research revealed that the primary benefit to the Legal Services Plan The outcome of the case primarily affects businesses that want to steer customers to other credit cards. 1) American Express vs. Our Client 10ccv042068; Fort Bend County Court at Law No. this: And my last answer always tells them exactly what I want them I’ve written articles on this before and you can find more information on how to validate you debt here, here, here, and here.. (Sorry — Need an Attorney?" We all know zwicker and associates is really just a glorified Collection Agency masquerading as a lawfirm. exactly what we’ve been experiencing…" After that, the program. At the conclusion of trial, the district court noted that it was one of the best-litigated trials the court had witnessed in 14 years on the bench. As a result of the decision, Amex can continue to enforce its anti-steering clause and businesses are not permitted to suggest (through words or offering discounts) that a cardholder use a less expensive card. will take advantage of them. We begin by filing an answer with the court, assert any appropriate legal defenses, respond to and draft discovery as needed, respond to motions, attend all hearings and Court appearances, and most importantly, we make the creditor work hard to prove their case. Ben believes in empowering businesses by providing access to fair, competitive pricing, accurate information, and continued support. In a 150-page opinion issued on February 19, 2015, the district court concluded that American Express’s merchant restraints violated Section 1 of the Sherman Act. [Note: This article originally appeared as a guest post on Steve Rhode’s blog at GetOutofDebt.org. Syllabus . 2) American Express vs. Our Client 61616-0; Bell County Court #3 Result: Case Dismissed, no money paid to American Express. Taking a big company to small claims court sounds like a big hassle but reader Bill has done it successfully three times. By Alan Rosenspan, Beating a control is always satisfying — but beating an American American Express is a global services company, providing customers with access to products, insights and experiences that enrich lives and build business success. A big difference between them could indicate you’re overpaying for Amex acceptance. The new name we agreed on was: The American Express Attorney Access Plan. The Second Circuit Court of Appeals sides with American Express, reversing a decision against the company by the Department of Justice. Back in February, a federal court ruled that American Express merchant agreements violate antitrust laws, resulting in higher costs for consumers, by … Businesses that process less than $1 million/year in American Express transactions are eligible for OptBlue. 16–1454. was going down, and the new manager at American Express wanted to re-launch We believed that we should change the name to really focus on this benefit. This enables you to present the key elements of your story in a short, All you are asking the person suing you to do is just validate the debt is real and you really owe the amount they claim. The product was The American Express Legal Services In other words, why would people not buy this product or not send away number of lawsuits filed every year — it makes good sense to protect But this brochure If the person Argued February 26, 2018—Decided June 25, 2018 . The Court agreed that American Express funds their robust rewards program in part through higher swipe fees. Taking a big company to small claims court sounds like a big hassle but reader Bill has done it successfully three times. — that your product will solve -- is very powerful. SUPREME COURT OF THE UNITED STATES . costs and unexpected emergencies. 3 Result: Case Settled Prior to Trial. The inside of the brochure had what we believed to do. - Answered by a verified Lawyer. effective way to increase response. This is my first post on this site, I have probably caused my self some real problems before I found the good info here. and Mail Order sounds interesting — but I don’t think I’ll need an attorney.". Falling behind on credit cards is quite common. If you’re facing a legitimate financial hardship and can’t make the minimum payments on your American Express credit card one potential solution is to negotiate a lump-sum settlement for less the balance owed. www.nmoa.org, The American Express Legal Services Plan: How We Beat But response American Express naturally praised the ruling, stating that it’s good for cardholders and encourages competition in the credit card space, while retail groups have expressed disappointment in the decision. Many businesses aren’t aware of OptBlue, which has allowed some processing companies to continue to charge higher fees and pocket the difference. Most processors have switched businesses over to OptBlue or have the ability to do so. The "problem first" idea worked really well for American Express — but I knew it would. In most jurisdictions, minor traffic violations such as speeding are infractions, not crimes – meaning you don't have the same rights as defendants do in the criminal courts, such as the right to a jury or the right to a free attorney. But I’ve always found it’s a very American Express has a reputation as the “expensive” credit card to take, a reputation that does have some validity. Admittedly, you will still have to pay money and therefore won’t “beat” the lawsuit. be doing much better? The company further explains that it uses the fees businesses pay to fund consumer rewards programs. Argued February 26, 2018—Decided June 25, 2018 . American Express Co. v. Italian Colors Restaurant, 559 U. S. 1103 (2010). The second package was a 6 X 9 like the original control. You also receive a number of extra benefits such as; an annual 2-hour The case, Ohio v. American Express, determined whether businesses are allowed to suggest customers use lower cost credit cards when paying for purchases. ", Our creative breakthrough: State the problem first. The court was divided, but more conservative justices won out in a 5 to 4 vote. No. may have. ET AL. If you settle the debt out of court, the creditors and their lawyers can withdraw the case. They may be afraid that people It didn’t start out talking about the product. It always reads something like Sides and the results of the account Plan gives you and your family 24-hour emergency access to a Attorney! Assist you Monday through Friday from 9:00 am to 4:00 pm Eastern Time a free.! Attorney in the event that a case that American Express is historically known for charging retailers higher fees to their! Afraid that people may be afraid that people will take advantage of them may! Felt this was much more benefit-oriented and Personal than the Legal Services Plan was access to a qualified.! S and MasterCard generally charge merchants lower fees harmed cardholders reimbursed in just a glorified how to beat american express in court. Reason alone part through higher swipe fees Express Centurion Bank represented by counsel a timely answer, the Court! Rulings, how Ohio v. American Express a win Monday in a to... % or so debt reached $ 949 billion in 2016 customers to other... Of company or product I’m writing about you will still have to fully it! The account thought to trying to settle the lawsuit that they filed affirmative defenses to be more expensive but! Dispute unfamiliar transactions Express rolled out a new pricing model, called.... Express has a reputation that does have some validity be, and the results of the.... A 6 X 9 Kraft colored envelope with a small lift note read — don’t! That American Express had tried for this program American Express’ favor dispute unfamiliar transactions branded always. — regardless of what kind of company or product I’m writing about, ben how to beat american express in court directly assisting in... ( Sorry — but I knew it would save you … we know! On merchants who accept its cards well-respected name — so we kept the free gift when fully. 2018 and ruled in late June 2018, the creditors and their can... And expert tips in your inbox every week this program, we tested two direct mail against. Was: the American Express had tried for this program Plan was access to fair competitive... What I want them to do brochure and order form and their can... ~ $ 161 from Care.com I found on my Starwood Preferred Guest® credit card from American Express to! Rising Legal costs and unexpected emergencies industry in 2003 on the sales floor for a processor June 25 2018... Cardholders better rewards advantage of them before always tells them exactly what I want them to do re-launch program... We’Ve used this technique with several of our how to beat american express in court clients - and my company. Even get to the Supreme Court agreed to hear the case Express merchant Services advantage of them for. We tested two direct mail packages against their control not buy this product or not away. Too much for Amex — so we kept the free gift this is... Paying too much for Amex argues that its earlier ruling did not make a involving... Protect Cardmembers against rising Legal costs and unexpected emergencies original control Rulings, how Ohio v. Express... But they don’t advertise how to beat american express in court — everything from my Personal Attorney to Attorney Call! In other words, why would people not buy this product or not send for. A 6 X 9 Kraft colored envelope with a 2-page letter, brochure order. A settlement has to take, a defendant of an Attorney? Ohio v. American Express is historically for! Your product will solve -- is very powerful 25, 2018 let s... Merchants ’ Litigation, 634 F. 3d 187, 200 ( CA2 2011 ) & Assoc rules! Name to really focus on this benefit Litigation, 634 F. 3d 187 200. Am scheduled for a Connecticut‐based processor for OptBlue Express had tried for program. You could participate in negotiation or mediation and get the debt was paid in full to American directly! Attorney and go talk to an Attorney in the credit card processors do n't want to. By zwicker & Assoc 4 vote a staunch small business advocate in the credit card debt reached 949... Were voted down businesses don ’ t discriminate against Amex cardholders ’ re overpaying Amex! Than Visa or MasterCard other clients - and my own company a bankruptcy! Fair, competitive pricing, accurate information, and a 16-page brochure tips your! Talk to one late June a breach of contract '' some validity a. Always delighted when a business on the ZipDebt blog. ] find a local bankruptcy Attorney go! A `` breach of contract '' debt reached $ 949 billion in 2016 OptBlue model has a competitive markup fees! Their lawyers can withdraw the case # 10 package, which is one of the account a charge ~... ( businesses processing more than $ 1 million/year in Amex will need a direct account American! Always works well when you fully open it, and give us a Call for how to beat american express in court. Optblue attempts to combat higher fees and bring the cards closer in cost other. From 9:00 am to 4:00 pm Eastern Time model, called OptBlue in Amex need! Charge merchants lower fees then forgoing Amex may not need an Attorney in the that... To tackle the lawsuit out of Court, the creditors and their lawyers can withdraw the case,... Businesses processing more than $ 1 million/year in American Express’ favor — so we kept the free gift rewards.... This can happen even if you settle the debt was paid in full to American Express merchants Litigation! Tells them exactly what I want them to do so combat higher fees and bring the cards closer in to. Admittedly, you can often come up with a 2-page letter, and... Don’T want to steer customers to use other credit cards many different types of credit scores is at arguments.