I have already gone one round with Amex and local attorneys, much to my success!! I enjoyed the the whole process quite actually. I wouldn't be devastated if I had to do it again.
Fast forward a year, now I am hearing from my other Amex account. Last summer I was dunned from the firm that rhymes with ticker. I sent the usual DV, limited CD, and election of Arb.
Yesterday, over six months later I got a bill from the same firm, with a letter telling me to contact one of their "non-lawyers" to discuss this account.
My dilemma: This bill is only in the high 2's. Part of me wants to call them up and offer them 50% (I know I could do better) and call it a day. What is stopping me is resetting the SOL.
Part of me wants to let them sue me, and have some fun, and probably do very well with this. (I know I'm sick, lol).
In a perfect world they would send me a letter with 30% or less and make me go away. Any idea's how to get to this point without a lawsuit, or restarting the SOL?