Hi all,
We too are being sued by Amex. we owed 12,000 but we have about 10 other cards totalling about 70k. Amex is the only one to file suit, we have not paid CC since 2/08. all the others including another Amex. for over 8k have not sent anything other than the usual bill showing we are late (duh! lol) we are just starting a Bk, and then we will work on the mod. we are 2 months behind (only because
CW/Bof *******s won't take over 2k in fees and late fees off) We requested a forebearance in January and although we called every month to make a payment and ask what was happening with the process (supposed to take 30 days) when they turned over to bofa nothing was on the website, so I called and was told it was cxld because we did not follow up! I just said then what are you going to do for us now?? because everything you just stated is a lie! I told them we need a modification, that we are going to file a Bk and that I will talk to a Lawyer about their tactics since I have documented everything and every person I have talked to from the begining of January!!! the guy was like.. ummm.. well we could try to do a modifcation, but you need to send in blah blah blah.. I did, says we are in active processing. I am merely buying time sice we have a fixed 6% loan they won't really look at it, they have no clue what my family has been through... we lost 2 brothers a mother and our son comitted suicide in June of last year (my husband found him) my husband is on disability and has been since for post tramatic syndrome (he had never missed a day of work before) it has been a nightmare that doesn't seem to end. I will not give up my home, if we end up losing it everyone will lose...... that is a promise ;-) by the way I live in California, owe 345k and our home is worth 270k anyway don't give up the fight, if we can live through losing a son, then fighting these crooks is going to be easy!