I want to settle my American Express debt and in the past, they were willing to do 40%-60% in the past. I want to settle it now and they can't give no more than 25% off. I told them that the statute of limitations is up and the credit reporting time is going to expire and they don't care, even though they know because they told me themselves already. Why would American Express do such a thing? I told them they will never see a dollar from me and they told me I can never open an American Express account, personal and business(even if I settled in full, only paid in full counts to them). Why would they do this to people? I understand they want their money but seriously, they said they will continue collecting on it, even expired SOL and credit reporting time. What advice can you give me?