Ask for a settlement and then cash advance off the personal credit card to pay it.

I understand you’re responsible, but did you and the company fill out the application together and sign it together.

No, I spent the money- its my responsibility. Besides, the terms and conditions make it clear that I'm responsible for all charges to the card. It's a company card, but with my name and the companies name.

If the company told you to use the company card, then it’s their resposiblitiy.If the company took out the card under their name; why are they coming after you?

Hi
I defaulted on a debt with AMEX for a corporate credit card earlier this year. The company told me I could use for personal expenses, which I did, but we then ran in to money problems, and the balance of around $3500 is outstanding.

I wrote to AMEX in July asking if they could transfer the balance to a personal credit card and I would gradually pay off the balance. They didnt reply, but sent me a letter saying they'd passed it to a debt collection agency.
A couple of weeks later, I received a very, aggressive phone call from said agency, and I ultimately offered to pay $100 a month until I could pay it off. He said "we'll see you in court". I never heard anything more about it.

I received a letter yesterday from a new debt collection company- MJR, asking for payment of the full balance in 5 days. It was dated 20 November, but I didnt receive it until 27th.
I didnt receive notice from AMEX that the debt had been assigned, and I really dont what I'm supposed to do. I dont have $3500. If I did, I'd have payed it off.

We're relatively new to Canada, and I've been worried about how this could affect my credit score. I got a report from Equifax last week and this debt isnt registered on there (presumably because it's a company card?).

Other than perhaps repeating my offer to pay $100 a month, what are my options?

Many thanks