Hello, In late December American Express wrote me a letter offering a settlement on my credit card debt. The amount of the debt was $1.057.20. The settlement was for about $600. I wrote them saying that I wanted them to cease communicating with me regarding this debt. I was unemployed and had lost my home to foreclosure. On January 16, 2008, they sent me a response telling me that they had received my Cease and Desist letter. They would stop collection efforts, but could go to litigation. Last week I received a phone call from American Express asking me why I had not paid the $1,057.20. This week, I got two more such phone calls. Tomorrow I am sending them another letter reminding them about their letter to me saying they would cease all collection efforts and pointing out to them that they probably have violated the Fair Debt Collection Practices Act. Eugenia Renskoff
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