Up to 90 percent of cases filed by credit-card companies to collect bad debts may be flawed, according to one New York judge who says he has heard as many as 100 in one day. The problem, say many of the judges who oversee the slew of suits filed by American Express, Citigroup, and other credit-card companies, is that they all follow the same he-said-she-said pattern—companies eager to collect debts try to make their cases with partial records and improper documents, leaving substantial holes in their arguments. The companies disagree, with one American Express spokesman telling The New York Times that the company has “a strong process in place to ensure accuracy of testimony and affidavits provided to courts.”
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