An affidavit of creditor is just notice and alleging the debt is valid and the amount of the debt is verified by the creditor. It is validating the debt allegedly.

I am afraid that American Express has a history of suing over debts and they use collection agencies to do so. If you have no more money and from the description of your situation, you may want to consider filing bankruptcy because it will extinguish this debt and all of your other unsecured debts and this will allow you to get a fresh start at the least and it will prevent you from getting a judgment against you. I had a previous customer who was in a similar situation and was a bit offended when I suggested bankruptcy to them, but they gave in and filed and came back 3 months later saying it was like the weight of the world was off their shoulders. At this point you really have everything to gain by filing bankruptcy.

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