Complaint / Review
James A. West, Aka Michael J. Young
James A. West, P.C. Law Office Aka Michael J. Young Deceptive Collection Practices for American Express Texas

I had disputed some only bills form AMEX and never received a response from them. I clearly stated that I disputed the charges and too show proof to each and every charge. I had some ex-employees that had frauduantly used my accounts. I did file police reports. Over a year later I receive a letter from the Office of James A. West, P.C. Form Michael J. Young (they are really a collection agency - http://wildwildwest-law.com).

I responded with these exact words:

Dear Mr. Young.

Please provide the following:
(1) the amount of the debt and how you arrived at that amount;
(2) the exact legal name and address of the creditor to whom the debt is owed;
(3) Provide a verification or copy of any judgment (if applicable)
(4) Proof showing signatures authorizing this debt;
(5) Proof that you are licensed to collect debts in the State of Texas.
I also request that if you provide me any credit reporting agency, that you have notified regarding this debt and inform them in writing that I have placed this debt in dispute and that your are to provide me with proof that you have done so. Furthermore, I asked that you immediately send a copy of that dispute letter to the company (creditor) that you say I owe money so they are also aware of my dispute with this debt.
I must remind you that any attempt to collect this debt without validating it, violates the FDCPA and that I am recording all phone calls and keeping all correspondence concerning this matter. Be advised that I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the national Better Business Bureau.
Please provide this proof within 20 days of receipt of this letter or I will assume this debt to be invalid and any further attempt to collect to be regarded as harassment.

I received almost 3 months later a copy of a credit card request that does not even state American Express on it. Non of the other documents were produced. When I called them, I was never allowed to speak to Mr. Yound or Mr. West.
Now they have filed a lawsuit.

I would like help on the proper terms to use to deny the lawsuit.

What remedies do I have and how do I go about filing a complaint.