George Kamel

You forced them to sue you?

Not paying.

Every time I signed the agreement and set up a payment plan, I changed my numbers and bank accounts and they never hear from me again.

Well, it all started with American Express back in August 2023, where I paid off all my American Express cards and requested my, closed my account.

And they did, all except for one card, they returned a payment.

They kept the minimum payment, and they told me I was no longer eligible to pay that card off in full because they just jacked the interest rates up to 49% on them.

So my question would be, because I tried...

different uh lawyers and whatnot and they all told me that chapter seven would probably be the best way out of it how much credit card debt do you have about 49 000. okay and i just want to make sure i understood i made sure i understood you did you say that american express would not allow you to pay the full balance is that what i heard you say

Yes.

They told me that this was right after when they declared the pandemic over.

And they jacked the interest up on all my cards to up above 49 percent.

So I called them and I asked them why and see if I could get them back down to 19 percent where they was originally.

And it was like they told me, no, that was a federal going rate.

No, I sent them the payment.

Twice.

The first time they sent it back, they kept the minimum payment.

And I had received the letters, and they said they could not validate where my funds came from.

This was after they returned my payments because it's been –

Two years where the debt collector has been coming after me.

Not yet.