Here's Who We Are

We're Fund Virtually Everything

We fund business owners nationwide, regardless of industry, credit, or time in business. We fund it all.

Apply Now

We Provide Multiple Options

We have a lot of different financing options available to our clients. Regardless of your situation, we’ll have a solution for you.

Fast Approval

Our application process is completely online. You can get funds in your bank account in literally 24 hours.

The Working Capital You Need In 24 Hours.

We get you funding. It's that simple. Regardless of credit, income, or time in business - we'll fund you.


Use our online form or call toll-free anytime to get started. There's no cost, and the application takes only three minutes.


Receive application approval in as little as 24 hours. There is no credit check required.

Receive Funds

Review and return your signed agreement and get your money in as little as 24 hours.

Recent Business Loans Funded

100K Term Loan

Ambulance Service

Our client bought a new ambulance.
2019 - June
55K Advance

Truck Funded

Our client used the funds to hire new team members.
2019 - February
85K Term Loan

Restaurant Funded

Our client used the funds for restaurant equipment.
2019 - May

Get a Decision in as Little As 30 Seconds

We’re Fast. We Help Regardless of Credit. WE HAVE A SOLUTION FOR YOU.

Apply Online

We have a completely online application process, which is simple and easy.

Get Offers

We'll match you with the best loan offers we have that are financially responsible.

Get Funded Quickly

We'll fund you the same day you accept our offer.

How Delancey Street Works

Fill Out Our Application

Answer basic questions about yourself and fill out our entirely online application. Each loan has its own online process.

Meet Your Concierge

We'll pair you with an experienced Delancey Street specialist who will reach out to you, and understand your needs. We'll try to determine which financial product is right for you.

Compare Our Loan Offers

We give you a few different loan offers based on your scenario and what options you qualify for.

Choose Your Loan

Once you've chosen a loan that works for you, we finalize it and start getting the documents needed.

Get Funded

Once we get all of the documents back, we'll get you funded ASAP.

We Help You Grow

After you get funded, your Delancey Street concierge specialist will keep in touch to make sure you're happy and doing well.

Business Loans

Get business loans ranging from 3 months to 18 months
No credit score requirement, we have a program for everyone
We can fund up to $5 million in virtually 24 hours

American Express Debt Settlement Attorney


If you have a large amount of debt with American Express, the situation can seem impossible to overcome. However, settling your debt with American Express can provide a lifeline to resolving this financial burden. As a nonprofit organization dedicated to helping people overcome debt, Delancey Street has extensive experience assisting consumers negotiate settlements on American Express card balances.This article will explain how settling your American Express debt can help you regain control of your finances. We’ll also provide tips on navigating the settlement process successfully.

How Debt Settlements Work with American Express

Debt settlement involves negotiating directly with American Express to pay a lump sum that is less than the total amount owed. This can be an effective solution when the outstanding balance is simply too high relative to your current income and expenses.American Express may initially insist on full repayment. However, providing documentation of financial hardship can help show that a settlement is your only viable option. If American Express agrees, they will accept the lump sum as payment in full on the account.Settlements typically range from 40 to 60 percent of the total owed. So on a $10,000 balance, you may pay American Express around $4,000 to $6,000 to settle it completely. This results in debt forgiveness of $4,000 to $6,000, providing immediate financial relief.

The Benefits of Settling with American Express

There are several advantages to pursuing a settlement with American Express:

  • Eliminate debt faster – Rather than making minimum payments for years, a settlement allows you to resolve the debt in one payment. This saves significant time and interest costs.
  • Pay less than you owe – Through settlements, consumers often pay 50 percent or less of the total balance. This greatly accelerates the path to becoming debt-free.
  • Avoid bankruptcy – For those facing truly unmanageable debt, bankruptcy may seem like the only option. Settlements provide an alternative to the damaging effects of bankruptcy.
  • Stop collection calls and lawsuits – Once a settlement is reached, American Express ceases collection efforts, providing immediate stress relief.
  • Improve credit – Settling reflects responsibility and can begin rebuilding your credit score over time. An ongoing delinquent account damages credit much more severely.

Step-By-Step Guide to Settling with American Express

If you decide to pursue settlement, follow these steps for the best results:

  • Review account status – Request your full account history and records from American Express to understand interest, fees, and recent payments. This provides a clear picture of what you owe.
  • Assess lump sum options – Calculate what size of lump sum payment you can afford based on income, assets, and budget. Aim for 40-60 percent of the balance.
  • Send settlement offer letter – Draft a letter with your lump sum offer and financial details. Emphasize desire to resolve the debt responsibly. Send it certified mail with return receipt.
  • Wait for response – American Express typically takes 2-3 weeks to respond. Be patient as they consider the offer. Don’t hesitate to call for a status update.
  • Negotiate as needed – If your initial offer is rejected, American Express may counter. Negotiate politely to reach a settlement amount you can manage.
  • Formalize agreement – Once accepted, ensure the settlement is formalized in writing before sending payment. This legally binds American Express to close the account.
  • Pay lump sum – Strictly follow payment terms. Defaulting on the settlement could result in the agreement being revoked.

Seeking Professional Help with Settlements

For many, DIY settlement negotiations are too complex and emotionally draining. Seeking help from a professional can be wise, especially when facing large American Express debt.Nonprofit credit counseling agencies like Delancey Street provide settlement assistance at little or no cost. Our certified counselors have extensive training in negotiating credit card debt settlements. We handle all communications with American Express and provide guidance each step of the way.The benefits of professional assistance include:

  • Expert negotiation – Our counselors know what settlement offers work for different situations and have negotiating experience.
  • Advice tailored to your situation – We evaluate your unique circumstances and ability to pay and create a customized settlement strategy.
  • Peace of mind – You can focus on daily life rather than stressing over settlement talks.
  • Avoid common mistakes – We help you avoid missteps that could derail the settlement.

At Delancey Street, our goal is to provide caring, ethical debt help to consumers in need. Our nonprofit status allows us to offer these services affordably. If you’re struggling with American Express debt, contact us today to discuss your options free of charge.

Frequently Asked Questions (FAQ)

How long does it take to settle an American Express account?

The timeframe varies case-by-case, but often the process takes 2-3 months from initial settlement offer to final resolution. Factors impacting timing include amount owed, negotiator experience, and American Express’ willingness to settle.

Will settling hurt my credit score?

There may be a small temporary drop when the account is closed, but settling shows responsibility and is far better for your credit than ongoing delinquency. Scores typically rebound within 6-12 months.

Can American Express sue me over my debt?

Yes, if you are significantly behind, American Express may file a lawsuit to recover the debt. Settling removes this risk of legal action. If you’ve already been sued, settling can stop the lawsuit.

What happens if I default on the settlement payment?

Defaulting gives American Express the right to revoke the settlement and resume collection efforts for the full original amount owed. It’s critical to follow settlement terms.

How do I raise a lump sum for settlement?

Options include borrowing from 401k or home equity, taking a debt consolidation loan, liquidating assets, or getting help from family. We can help assess the most viable funding sources.

Finding Relief Through American Express Settlements

Settling your American Express debt provides a path out of overwhelming balances that may otherwise seem impossible to repay. If you approach settlements strategically with perseverance and professional guidance, you can resolve your account for less than you owe and avoid further collection efforts. Don’t struggle alone – help is available. Reach out today to start your journey to financial freedom.

Delancey Street is here for you

Our team is available always to help you. Regardless of whether you need advice, or just want to run a scenario by us. We take pride in the fact our team loves working with our clients - and truly cares about their financial and mental wellbeing.

"Super fast, and super courteous, Delancey Street is amazing"
$125,000 Small Business Loan
"Thanks for funding me in literally 24 hours"
$35,000 Lawsuit Advance
"Great choice for first time fix and flippers"
$250,000 Hard money Loan

In The Media

Delancey Street CEO discusses ways to reward employees
Delancey Street CEO discusses the benefits of franchising on Forbes.
Delancey Street CEO discusses management on AMEX.
Get Out of Debt
Credit Card Debt Relief
Marital Debt Relief

Managing Marital Debt: Strategies for Financial Freedom Marriage can be…

Private Student Loan Debt Relief

Managing Private Student Loan Debt: Options for Relief Private student…

Veteran Debt Relief

Helping Veterans Find Financial Freedom Being a veteran comes with…

Delancey Street understands funding like no one else!
Steven Norris
Get Funding Today

Ready To Get Started?

If you have questions, feel free to shoot us an email, or fill out our live chat.

Apply Now