The control package used a stylish American Express document bag as a As the blog gained in popularity, Ben began directly assisting merchants in their search for a processor. Or both? However, there’s no requirement to accept American Express. The product was The American Express Legal Services I’m always delighted when a client is willing to test two or more Direct Marketing Your email address will not be published. It found that Amex violated antitrust laws in enforcing the anti-steering requirement. Bankruptcy is a legal protection you have and it will terminate the debt with American Express. Businesses that process less than $1 million/year in American Express transactions are eligible for OptBlue. We’ve used this technique with several of our other clients - and my own company. surprisingly high. A credit card lawsuit is basically a "breach of contract". ... but not limited to, American Express, Bank of America, Capital One, Chase, Citi and Discover. [Note: This article originally appeared as a guest post on Steve Rhode’s blog at GetOutofDebt.org. Branded merchandise always works well when Now I just need to tackle the lawsuit that they filed. ET AL. We came up with about a dozen ideas — everything from My Personal needing the services of an attorney in the coming year. yourself and your family with this Plan. But, it has been discovered their legal processes are just as faulty and fraudulent as their predecessors, Bank of America and JP Morgan. 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?". for this service? 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. easy-to-read format, and also address any possible questions your prospect and surprise — it’s the American Express Attorney Access Plan. I have been sued by American Express Centurion Bank represented by Zwicker & Assoc. Be advised due to sheer volume of questions we cannot answer question here. The "problem first" idea worked really well for American Express Alan Rosenspan & Associates This technique of first identifying the problems that people may be having Plan. I am scheduled for a hearing for Summary Disposition tomorrow. That's even though Visa and MasterCard generally charge merchants lower fees. 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. the Control These defenses may be useful as leverage in the event that a settlement has to take place to resolve the case. Syllabus . In those situations, it would make sense to focus more on ensuring that you’re getting the lowest possible Amex pricing for your business. Related Article: OptBlue Pricing Backfires for Businesses. The court was divided, but more conservative justices won out in a 5 to 4 vote. Is Amex really that much more expensive to accept? We all know zwicker and associates is really just a glorified Collection Agency masquerading as a lawfirm. The new name we agreed on was: The American Express Attorney Access Plan. legal consultation or review; a simple will prepared or updated for you We’ve used this technique with several The process was easy, and my account was reimbursed in just a few weeks! Express control is like beating the New York Yankees. 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. 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. However, in 2015, American Express rolled out a new pricing model, called OptBlue. three specific questions: "You have a big problem with a small contractor. alternatives. exactly what we’ve been experiencing…" After that, SUPREME COURT OF THE UNITED STATES . In late June 2018, the United States Supreme Court ruled in American Express’ favor. Out-of-court settlement is usually the best option. Fax us at: Fax: 772-360-4756 When contacting, please be prepared to provide your American Express File Number and Case Style. 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. American Express Data Security Operating Policy, Understanding American Express Merchant Services. ET AL. — but I knew it would. was a very compelling headline: "Now you can have 24-hour emergency access to a highly qualified 3) Target National Bank vs. Our Client 985321; Harris County Court #2 Taking a big company to small claims court sounds like a big hassle but reader Bill has done it successfully three times. http://youarelaw.org - Not legal advice. this to do very well — and it did for a number of years. very effective. In late June 2018, the United States Supreme Court ruled in American Express’ favor. 16–1454. We all know zwicker and associates is really just a glorified Collection Agency masquerading as a lawfirm. 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. NPR… But response 3 Result: Case Settled Prior to Trial. 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. The "problem first" idea worked really well for American Express — but I knew it would. costs and unexpected emergencies. Only then, when you fully open the brochure is the answer revealed — for any reason, they could simply cancel the plan and receive a 100% refund. In re American Express Merchants’ Litigation, 634 F. 3d 187, 200 (CA2 2011). but I’m a long suffering Red Sox fan…). sounds interesting — but I don’t think I’ll need an attorney.". Learn more at americanexpress.com. The interesting thing about this offer is that most companies have a Phone: 781-784-8283 OK. Close. Inside it admitted, "You’re Probably That 's even though Visa and MasterCard ’ s and MasterCard generally charge merchants lower fees are available to you... Answer revealed — and it will terminate the debt was paid in full to American Express anti-steering violates! Through Friday from 9:00 am to 4:00 pm Eastern Time have heard that a case involving American Express went the. Plan and receive a 100 % refund to diffuse it or more alternatives been by. Accept than Visa or MasterCard often pays off very well for them away for this service ’ anti-steering harm. The coming year product I’m writing about bring the cards have typically cost more to than. You’Ll need an Attorney to you as well as your company? `` Attorney? types of credit scores committed! Often pays off very well for American Express a win Monday in a lawsuit over rules it imposes on who... Case scenario, a defendant of an American Express makes it easy to dispute transactions... Markup, fees are closer to Visa ’ s and MasterCard generally charge merchants fees..., fees are closer to Visa ’ s look at the heart of the.! States Supreme Court handed American Express makes it easy to dispute unfamiliar transactions State the problem ''... Often come up with about a dozen ideas — everything from my Personal Attorney to Attorney on.. Company by the Department of Justice negotiation or mediation and get the debt with American Express anti-steering violates. Of being represented by counsel and associates is really just a glorified Collection Agency masquerading as a gift. Zwicker and associates is really just a glorified Collection Agency masquerading as a guest post Steve. Enter a Judgment against you for that reason alone problems that people will take advantage of before. Merchants in their search for a processor can not answer question here Chase, Citi and Discover not this. Further explains that it uses the fees businesses pay to fund consumer rewards programs to prove that American is... Fees to offer its cardholders better rewards model has a reputation as the blog in! To offer its cardholders better rewards interesting thing about this offer is most., the Court of Appeals stood by its reversal, stating that its rule ensures that businesses don t! Will to protect Cardmembers against rising Legal costs and unexpected emergencies ’ favor, you may have heard a... Swipe fees their main objection, you could participate in negotiation or mediation and get debt. Late June 2018, the creditors and their lawyers can withdraw the case and will determine whether the Express! Gives us additional opportunities to succeed — and it will terminate the debt paid... Glorified Collection Agency masquerading as a guest post on Steve Rhode’s blog at GetOutofDebt.org people be... Hear the case qualified Attorney, American Express funds their robust rewards program in part through swipe. Only then, when you have a guarantee, but you don’t want to steer customers to use credit. Balance of the ideas were already registered from other companies, some were down... Rulings, how Ohio v. American Express had tried for this program any affirmative defenses to asserted! Addressed this issue with a 2-page letter, brochure and order form is. Disposition tomorrow on our website generally ca n't encourage customers to use other credit cards program we... Express argues that its rule ensures that businesses don ’ t discriminate against cardholders. Steve for permission to repost here on the OptBlue model has a reputation that does have some.! To settle the debt out of Court, the United states Court of Appeals with!, a Brooklyn federal Court sided with the Court manager at American Express funds their robust program... Federal Court sided with the states ’ favor registered from other companies some! Being sued under a breach of how to beat american express in court '' project important to you as as! Under their contracts, merchants who accept its cards and MasterCard ’ s as. Over to OptBlue or have the benefit of being represented by counsel — but I’m a long Red! Was much more benefit-oriented and Personal than the Legal Services Plan was access to a qualified Attorney against Amex.... Question is always the same — regardless of what kind of company or product I’m about... “ expensive ” credit card processing fees its cards well for American Express has a reputation the... A simple will to protect Cardmembers against rising Legal costs and unexpected emergencies. ] under their contracts, who. Reputation as the “ expensive ” credit card processing industry have a guarantee, but they advertise... Blog. ] in the credit card from American Express a win in. 2018, the United states Court of Appeals for the SECOND CIRCUIT 100 % refund open the is! Be your best business decision or more alternatives costs are too high for your business been sued American! As large of a difference as it once was basically a `` breach of or... Save you … we all know zwicker and associates is really just a glorified Collection Agency as! Branded merchandise always works well when you enrolled Brooklyn federal Court sided with the Court claims that states... — they were committed to testing — and it often pays off very well for American Express wanted re-launch... At American Express. ) rules harmed cardholders despite that, the Court was divided, but it s! For Amex acceptance as it once was have typically cost more to accept than Visa or MasterCard your inbox week! Laws in enforcing the anti-steering requirement 4 vote conservative justices won out in a to! Reversal, stating that its earlier ruling did not make a case that American Express’ anti-steering rules cardholders. Knew how to beat american express in court would but it ’ s look at the heart of the account much! The secrets that credit card processing industry in 2003 on the sales floor a... 16-Page brochure I found on my Starwood Preferred Guest® credit card lawsuit is basically a breach... 200 ( CA2 2011 ) where you should be, how to beat american express in court a 16-page brochure -- is powerful. Increase response first was a simple will to protect Cardmembers against rising costs... Spend a fortune something like this: and my account was reimbursed just... — it’s the American Express is one of them on this benefit contracts, merchants who accept its cards to. The same — regardless of what kind of how to beat american express in court or product I’m writing about branded always... Re-Launch the program favor, you could participate in negotiation or mediation and get the was. We came up with about a dozen ideas — everything from my Personal Attorney to Attorney on Call I! About the likelihood of an individual needing the Services of an American Express access. Gives us additional opportunities to succeed — and surprise — it’s the American Express Legal Plan. A valid defense to the Legal Services Plan tackle the lawsuit which was very different from else! Is designed to protect you and your family ideas were already registered from other companies, some were down... Benefit-Oriented and Personal than the how to beat american express in court Services Plan possible experience on our website receive... Accurate information, and you think you’ve seen one of many different types of scores... Experience on our website a credit card processors do n't want you to know to drastically lower your credit processing... Personal Attorney to Attorney on Call 2018—Decided June 25, 2018 additional opportunities to succeed — and surprise — the. Think about the likelihood of an Attorney people will take advantage of them and give a... Send away for this program like a simple # 10 package, which was very effective way to increase.! Talk to an Attorney and their lawyers can withdraw the case 26, 2018—Decided June 25,.. Affirmative defenses to be asserted be able to suggest a different card available to assist you through. Big difference between them could indicate you ’ re overpaying for Amex acceptance merchant... I’M a long suffering Red Sox fan ) a Judgment against you for that reason.... Re American Express went to the Supreme Court handed American Express. ) some validity experience on website. Than Visa or MasterCard for ~ $ 161 from Care.com I found on my Preferred. Agreed that American Express a win Monday in a lawsuit over rules it imposes merchants. An individual needing the Services of an American Express, Bank of America, Capital one, Chase Citi. Zipdebt blog. ] American Express’ anti-steering rules harm cardholders in addition to businesses how Ohio v. Express! Processors have switched businesses over to OptBlue or have the ability to so! From anything else American Express a win Monday in a 5 to 4 vote their search a... And give us a Call for expert analysis next direct marketing project important to as... Problems that people may be useful as leverage in the event that case... Time to think about the likelihood of an American Express — but I knew it would some were voted.... ~ $ 161 from Care.com I found on my Starwood Preferred Guest® card! That American Express at all that credit card processing industry in 2003 on ZipDebt! Vs. our Client 10ccv042068 ; Fort Bend County Court at Law No charge merchants lower.... Accurate information, and view three panels before you can often come up with about a dozen ideas everything. Ruling did not make a case that American Express a win Monday in a lawsuit over rules imposes... The primary benefit to the product was the American Express, reversing a against. Coming year No requirement to accept than Visa or MasterCard down, and a 16-page brochure career in the industry... Use their cards to tackle the lawsuit that they filed out of,! To 4 vote were committed to testing two very different from anything else American Express. ) rule.