What To Do If Sued By Michael & Associates For Credit Card Debt

Daniel Gamez
4 min readFeb 19, 2021


Sued by Michael & Associates for Credit Card Debt

What to do if sued by Michael & Associates for credit card debt? If you owe a creditor like American Express, Michael & Associates could be hired by them to sue you for credit card debt. If you don’t respond to the debt collection lawsuit, then a default judgment could be filed against you. A default judgment is a binding judgement in favor of Michael & Associates (American Express). You want to stop a default judgment, so that you don’t have a lien filed against your property, your bank account levied, or your wages garnished. To go up against the seasoned debt collection law firm of Michael & Associates, you should hire an experienced debt settlement attorney who will save you money and get you out of the lawsuit. In this blog, we will explain who is Michael & Associates, why are they suing me, and explain “debt settlement”. But first, here is a real example of one of our Michael & Associate debt settlement client success stories.

Our client owed American Express $35,351.12. She defaulted in payments on this account, as well as several others. American Express eventually sued our client seeking the full balance due. Over the course of the next year, we continued efforts to negotiate a settlement for our client due to the pending lawsuit filed by Michael & Associates. With a trial date on the horizon, our client agreed to settle this debt for $20,000, payable over a period of 24 months. We saved our client $15,351.12 and got her into a settlement that she can afford to pay over two years.

Who is Michael & Associates and Why are They Suing me?

If you wondering who is Michael & Associates and why are they suing me, then you are not alone. There is not a lot of information about them on the Internet. Michael & Associates is a debt collection law firm that is hired by large lenders like American Express. To stop Michael & Associates phone harassment to collect on credit card debt, we usually suggest a debt settlement. A debt settlement is a negotiation between you and Michael & Associates that you will agree to pay an often much lower portion of the original debt over a period of time or in a lump sum. Lenders often agree to debt settlements because it saves them in legal fees and they would rather receive a portion of the debt you owe, then have you file for bankruptcy and receive nothing.

Find a debt attorney who offers a free consultation to see if a Michael & Associates debt settlement is a good option for you. Never pay someone upfront for advice. And be aware of debt settlement “companies” as opposed to law firms. They are not held to the same ethical standards under the law as attorneys in a law firm.

Settle a Michael & Associates Lawsuit

Our client accumulated $10,100.36 in American Express debt. When he could not make these payments, Michael & Associates filed a lawsuit on behalf of American Express against our client. We negotiated a debt settlement and saved our client $4,199.36. Our client was able to pay back the remaining balance due on the settlement in payments spread out over a 10-month period.

Call the Gamez Law Firm at 858–217–5051 or contact us here if you would like to schedule a free consultation to go over your Michael & Associates debt collection lawsuit. Please visit our debt relief success stories page to read about the debt help we have achieved for our clients.

Daniel R. Gamez is a debt attorney serving clients nationwide and focuses exclusively in debt relief. He is licensed to practice in all state and federal courts in California and Texas. Mr. Gamez owns and operates the Gamez Law Firm in San Diego and Los Angeles, and helps people with debt problems all over the country. For more information, please contact Daniel Gamez at 858–217–5051, daniel@gamezlawfirm.com or use our online contact form. Stay updated about the latest debt relief tips by following on Facebook and Twitter and read about client success stories on our website.



Daniel Gamez

Debt relief attorney helping others to live a life free of debt