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"In 2003, California resident Vee Vinhnee filed for bankruptcy in U.S. Bankruptcy Court. He owed American Express more than $40,000 on his credit cards. American Express (Amex) sued Vinhnee to recover the balances owed on the cards. In Vinhnee vs. American Express Travel Related Services Company Inc., Vinhnee won his case without a lawyer and without appearing in court" .