Tell Us

Your Debt Problem

Falling into debt is common but you don’t have to stay there. We can guide you out of it


Settlements Made


Saved In Debt


Business Owners


In Charges

Settlements made
Saved in Debt​
Business Owners​
in charges

Who We Are

Our Experience In Debt Settlements

American Express Settlements is an established debt settlement agency which deals with American Express and other creditors to restructure debt repayment terms, time scales and amounts for individuals and companies, enabling them to resume their business dealings debt free.

Our Mission

Freedom From Debt

Our Mission Our mission is to work solely on the debtor’s behalf to end entrepreneurial poverty, abolish existing debt and give clients the freedom to get back to doing business without the financial burden and worry that comes with being in debt.

Founder’s Message

A Quick Word From Ralph

Hi there, I’m Ralph Tommaso and I am a strong advocate of entrepreneurs and their immense contribution to our lives & economy. I became aware of the limitations many entrepreneurs face when they find themselves in debt, often circumstantial. My passion lies in helping such people out of debt so that they resume their valuable work and make our economy stronger than before, while getting back to a more stable and meaningful life once again.

Revive Your

Business Today!

Our team has extensive experience helping entrepreneurs and others get rid of debt. We may be able to help you too. Get in touch to find out!


We invite you to complete this short questionnaire to begin your journey in reviving your business from debt.

Blogs & News

Gain insights on debt and settlements

What is the difference between debt settlement and bankruptcy?​

While bankruptcy is an option to deal with debt, it can have the most 7 to 10 year negative effect...

What you should do when a creditor files a lawsuit.​

Local attorneys handle all legal motions, as well as aid in the negotiations of your debts...

Know when debt settlement will work for your business.​

Debt settlement is meant for when you are unable to pay creditors in full and also those who are...

Wise up!

Download the American Express Playbook and learn the rules they do business by and how to outsmart them!

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Contact Us

3015 Arthur Kill Rd
19309 New York, New York, USA.

Recent Posts

What is the difference between debt settlement and bankruptcy?

Jun 12, 2020

What happens if a creditor files a lawsuit?

Aug 12, 2020

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