Open Letter to Amex: What more can I say?

Dear American Express (and other Bill Collectors Worldwide),

So I just got off the phone with you, and after 25 minutes of back and forth, I have one thing to ask: What more can I say to make you understand?

You know, there is something about hitting the rock bottom of powerlessness, a place where you are under no illusions about the fact that you have not the slightest, merest shred of control, that things are completely out of your hands, that you are not capable of complying with a request, no matter how reasonable, not able to make good on a debt that you owe, period. A place where shame and fear give way to boldness and baldness, like digging straight down into the earth, through the darkeness of shame, into the hot, burning, purifying core, and emerging on the other side of the world naked and uncovered, no hiding truth. That's who I am right now. That's where I am right now.

Now, as a corporation and not an individual, I know that I will not be heard. But when you hire people to call me, over and over, trained to coax/warn/threaten me into paying, you offer me a human interface to communicate with the company. Frequently, cyclically, I am telling my story to a new voice over the phone, each one completely unfamiliar with my case but for the brief preparation summary screen that their automated call center ticket system software gives (Oh, I know all about how a call center works, having worked one myself). Over and over, I confront the powerlessness not only of myself, but of the caller. Each and every one tells me that they lack the power to negotiate with me, to work with me. How dare you send them to me so un-empowered, so ill-equipped, so desensitized to humanness? What's the point? I can't be browbeaten into paying you if there is no money, and none on the way. I can't make something from nothing, and if I could force someone to hire me, we wouldn't be talking on the phone. You force me to shame myself over and over with no result, morphing my measured explanations into begging. It's impossible to forgive, and there's no place to direct my anger but an open letter that I'm sure you're not even reading.

I'd love to work together to preserve my good name. You've no right to trash it under these circumstances! Reporting to the credit agencies, selling debt to collections, and suing me are all tantamount to harassment and torture when I am completely incapable of settling even the portion of the debt you originally asked for, let alone the exhorbitant king's ransom produced by the total amount due + fees and penalties. Why single me out among the many that are suffering in today's economic crisis? As a customer in good standing for all those years, why throw away a wonderful, once healthy relationship for circumstances out of my control? Why not negotiate? Take my small, good faith offerings, and give me a responsive interface encouraging me to continue chipping away at the debt until it is all paid. That is what I'm asking for. We both want the same thing, and only you have the power to make it happen for both of us. Help me help you help me! I know with the credit crunch and the wall street instability you're probably just passing the buck, but could you at least have passed it to someone with hands? You're beating a dead horse with me. I have basic math and several physical laws, including the law of conservation of matter, on my side. I can't make 350$/mth total earnings = 450$/mth payment to Amex. If you find a way to make it work, let me know though. Until then, don't call me, I'll call you. What more can I say?

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