I was phoned yesterday by a client who had a judgment from 2012 for an old American Express card balance of almost $16,000. American Express differs from most credit card companies because they do not sell their delinquent accounts to debt buyers like Cavalry SPV LLC or Midland Funding or Portfolio Recovery Associates, etc.

Rather, Am-Ex has its own in-house legal department who file the lawsuits. Once they obtain a judgment, the cases are often sent out to American Recovery Service Incorporated, a collection agency located at 555 Charles Street, Thousand Oaks, CA.
Typically this collection agency is referred to as “ARSI.”

After several phone calls and intense negotiations with the collection agents at American Recovery Service Inc. (ARSI), I was able to settle this over 4 year old judgment of almost $16,000 for a mere $5400 dollars, a nearly 66% “discount” off the judgment balance.  ARSI is also issuing my client a Warrant of Satisfaction of Judgment, which will be filed with the Court and close the judgment forever. Same will also be shared with the credit reporting agencies.

This is just one example of the many amazing success stories I have under my belt in the world of debt collection defense. But don’t simply take my word for it. Read my many client reviews on my avvo page here and hear it directly from my clients who have gotten a fresh start in life thanks to my experience and skill in debt defense and negotiation. Don’t try to go it alone! Debt collectors have lawyers working hard on their side, and so should you. Call me today for a FREE consultation about your debt case at 908-782-5313.