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There are files that are flagged for no settlement.

Some of the reasons this may happen are: There are large debt collection law firms that pick up large blocks of AMEX accounts to collect.

How can I deal with a debt collector for American Express?

—Maria American Express handles little of the collection activity for the credit cards people fall behind paying.

If they can get you to pay something through communications through the phone and mail, they get to keep a percentage of what you pay.

American Express accounts can settle for as low as 35 percent of today’s balance with some of the collection agencies they use, while others may not settle for under 50 or even 60 percent.

The type of settlement you can realistically aim for with AMEX credit cards can depend on several things.

Your account usage leading up to missing payments is sometimes part of the equation, and so is how collectable you look to the debt collector handling the account for AMEX.Bank policies do change from time to time, and operation realities could lead to AMEX changes too.But for now, AMEX is ultimately the legal owner of your unpaid credit card account. There are situations where someone dealing with a debt buyer collecting will have additional strategies to consider.Be sure to include how long ago it was that you last made a payment.AMEX has some programs available for repayment when you are struggling with your finances.The lower AMEX bill is because they are dropping your interest rate down during the months you are on the hardship plan.