Many original creditors do not file lawsuits or they sell their accounts to a debt buyer. Historically, American Express has not sold their defaulted credit card accouints to other debt collectors but has pursued them by filing collection lawsuits.
American Express will usually rely on witness’ testimony in a “business records affidavit” when attempting to prove their case. It is important to fully understand the Florida Rules of evidence when attacking these affidavits and any documents attached. If you have recently been served with an American Express lawsuit then you should take action to protect yourself.
During calendar year 2022, American Express sued 500 consumers in Orange County, Florida. American Express is frequently represented by Modlin Slinsky, P.A.; Cooling & Winter and Zwicker & Associates, P.C.