American Express Files Lawsuit Against Ray J Seeking $78,000 for Unpaid Debt

American Express is suing singer Ray J for over $78,000 in unpaid credit card balances. This marks the second lawsuit from the creditor against the star since 2025.

By: AXL Media

Published: Mar 14, 2026, 7:54 AM EDT

Source: TMZ

The Legal Action and Financial Claims

American Express has officially initiated litigation against William Ray Norwood Jr., professionally known as Ray J, over substantial outstanding liabilities. According to court filings, the credit card company is seeking a judgment of $78,704.56. The suit alleges that the singer failed to adhere to the terms of his cardholder agreement by neglecting to pay the accrued balance. This legal maneuver aims to recoup the primary debt along with potential court costs, highlighting a breakdown in the contractual relationship between the high-profile entertainer and the financial institution.

Corporate Entities and Co-Defendants

The lawsuit does not target the singer in his personal capacity alone; it also names Rajun Cajun Inc. as a defendant. While the specific operational ties between Ray J and Rajun Cajun Inc. were not fully detailed in the initial filing, the entity is identified as being connected to his business portfolio. Sources close to the entertainer have indicated that there is an intent to settle the outstanding balance, though no formal payment schedule has been publicly confirmed. This inclusion of a corporate entity suggests that the debt may be tied to business expenses or revolving credit lines used for his various commercial ventures.

A Pattern of Recurring Financial Litigation

This current legal challenge follows a similar dispute that occurred only months prior. In December 2025, American Express filed a separate claim against Ray J involving a significantly larger sum of $139,849.85. That previous action also targeted one of his primary business interests, Tronix Network. The recurrence of these lawsuits within a short timeframe suggests a persistent liquidity challenge or a systemic issue regarding the management of his corporate credit accounts. For a public figure known for "living large," these repeated filings by a major creditor present a strategic risk to his financial reputation and creditworthiness.