I have a case with Amex where the original account was a business line of credit. Since the plaintiff did not provide an original contract I was not able to determine whether joint and several liability language was included in the original. The agreement issued with summons states that on Oct 8,2025 (after my account had been defaulted) a joint and several liability was added in the agreement. SInce the account was for a business line of credit, why am I being held personally liable? Also, since I did not agree to the new terms would that result in a lack of standing to sue me personally? The changes were added after the account was defaulted. I asked ParkerGPT but there is no information available to help. Any suggestions for my Answer document or advice?
6 replies
brian · March 19, 2026
Who is named in the caption? Just the business or the business and you-this is who is liable and being sued. See the video "How a Pro Se Defendant Beat US Bank." In that video, they sued the member and his business but could never provide an agreement showing his personal signature. So, while they sued him personally, US Bank lost because of a failure to prove the member was liable. A ton of documents attached to the video and in ParkerGPT showing all the discovery and motions he applied in winning and getting out of $30,000 based on the Bank not having the docs to prove he owed anything personally. Hope that helps. BPP
Amohab · March 19, 2026
I am personally named in the caption. The business is not. However the credit card account was named under the business. Later after the account went into default, amex ammended their agreement to have joint and several liability making me and the business bound by the terms of the agreement. Will look into the video and documents. Is it frowned upon to copy (not entirely I do not aim to plagerise) another defendants claim?
Keith · March 21, 2026
Hey Amohab don't get discouraged, watch Brian Parker's Amex videos. I too had been sued by Amex separately for 2 separate Business Accounts. I was personally named on my New Jersey lawsuits. I watch all the Amex videos. I answered each complaint with answers by Parker GPT added all the suggested Affirmative defenses and loaded up the counter-claims to put pressure on Amex. I noted highlighted that Amex doesn't own the debt, have standing to sue, and is now just a Servicer and (Debt Collector). I followed Brian's Amex video's and hammered that point, while using Affidavits (Sworn) by a notary. and when I served the Answers defenses and counterclaims on Amex Counsel
I sent along Discovery Request for Admissions, Request for Production, and Interrogatories, they never Responded to any Admissions, Productions or Interrogatories so I motion the Courts to deem admissions admitted, and to compel production of documents and to answer interrogatories. which added. This added more pressure on Amex squeezing the vice-grip on them even tighter. Finally each of the lawyers emailed me and said that Amex authorized the lawyer to settled.
The first lawsuit was Gold Business Card with balance of $3, 000 settled for $0 if I drop all counterclaim suits against Amex. My second lawsuit was a Marriott business card of $8,300 settled to $3000 over a 12 month payment plan if I drop all of my counterclaims against Amex and Debt Collector. Before I got to the settlement point Amex and lawyers fought every step of the way through court filings to dismiss and counter every move I was making but I would just feed every court filing into Parker and get suggestion on how best to respond, Folow parker's Amex videos and you will end up more than fine so don't focus on the agreement amendments they did on you focus on ownership of the debt and Amex's Standing to Sue for another party that makes them debt collectors subject to the FDCPA
Amohab · March 23, 2026
HI Keith thank you for that information. I was not able to formulate an affidavit to go with my answer because time was not on my side. I am currently working on discovery and counterclaim. Thank you for the advice. I don't have any questions at the present time, my brain is fried at the moment as I had to submit two separate answers for 2 separate suits. I haven't seen alot of cases like mine presented on KillDebt so I am a bit worried. The allegations included breach of contract, account stated and unjust enrichment. I have been searching for sample cases here but none avail. If anyone is out there reading this, I'd love some additional advice! thanks!
brian · March 25, 2026
Thanks Keith for your help and reply.
Brian Parker
Keith · March 28, 2026
Understood. Amohab,b there are case study video and docx templates in killdot.com. Also what you can do is type into ParkerGPT and ask it to locate videos and documents to show you how to fight and defend against breach of contract claims, unjust enrichment, and account stated claims. That way Parkerker GPT wil search its library and pull up all video and titles in the chat thread that will assist you.. I use that search method better than the direct library search bar since I don't know the videos Im looking for I just ask the parkerGPT to find me the videos and documents and then I ask ParkerGPT to search court listener for a my State jurisdiction. that has a similar bearing on my situation. then I pull that case up in PACER.gov and look at all cases that were cited by the parties involved to see if those cases will help support my arguments.for more . So as much anxiety i get from my lawsuits I follow Brian's strategies since they work for him figuring whats the worst that could happen to me but lose, so I might as well put the pedal to the medal and fight fight fight. being that losing may require me to pay their attorney's fee so Im trying to get it out the park quick into some type of settlement or a ruling in my favor. Good luck and may the ParkerGPT force be with you. Don't stop fighting settle only if it benefits your situation to parameters on what you finances can handle.
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