michigan tsunami, I am in Michigan as well. NACA submitted my file to
CW on 2-28, I am still waiting and didn't get any movement on my file until I emailed B Desoer, president of homeloans at BofA on May 8th. I stopped paying on my Amex (and all other credit cards) in January. My Amex account has been unpaid for about 130 days and has been turned over to GC collections which is Amex's own collection company. Basically at the 185 day mark Amex will charge off your account and sell it off to an outside collection company who will then begin to pursue collection efforts and can sue. If you do get a default notice and are required to appear in court make sure you go and take with you a listing of all your monthly expenses and your file on the mortgage modification you have been working on for 7 months.
I have spoken with two bk attorneys and I will need to file by end of August. I am hoping to have the mod with NACA/
CW completed soon so I can work on my 2nd with Nat'l City and then file chapter 7. I don't know if this will help you but I did speak with a collection officer at GC yesterday regarding my account. I explained my situation (60% loss of income) and working on trying to get a mod. He was able to put a hold on my collection activities until the end of this month. It's not alot of time but any time right now helps ease some of the financial stress in other areas. Don't be afraid to contact Amex to see if they will work with you on slowing down their process. Good Luck.