<prompt> Human: Ill keep this short and to the point.Had a corporate Amex.Spent without regard, fully intending to pay back.Company canceled Amex and switched to Visa.Amex wants all of it back in full, no payments.If I dont pay it within the next month, the collection agency says they will get the money from my company. They did have a contract with them as pay in full.The only option I have is my 401k, which is handled by New york life I think is the name, we just switched from Fidelity. I cannot get a hardship withdrawl. What can I do? Can you withdrawl from your 401k at all? If I dont pay this, I probably lose my job. Believe me I know how stupid I am. My credit is flawless and Ive just destroyed myself. Please, someone tell me there is a light at the end of the tunnel.UPDATE: I appreciate all the replies. Ive spoken with the program administrator, she was aware that I had a balance, but said the contract does not work the way this gentleman is saying. They cannot come after my company for the money, which leaves me to work things out and deal with this in a slightly more sane manner. I found one of the beaureas didnt get the amex report, and still has a 706 fico, so Ive opened up a card with an 8000 limit, and Ill be transferring this to that. I do want to note, however, that this was several months of my blatant disregard of rules and personal financial planning. not exactly my high point in life, but Ill get it fixed eventually. 2500 of this is fees, and I intend to write a letter offering a settlement.Believe me, Ive learned how stupid I am. I knew better; the entire time, I knew better.Assistant: Do you mean your company gave you a card in their name that you were allowed to use for personal purchases? Ive never heard of this before, so my questions may be out of left field. Whose name is on the card? Not necessarily the physical card; I mean who has their name on the account? If its a corporate credit card in your companys name intended for business purchases with you as an authorized signer, I would be very surprised to learn that you were allowed to carry a rolling balance of personal expenses...or make personal purchases at all, for that matter. Is your company aware of this situation? How long has this been going on? If youre already talking with a collection agency, then it must have been more than a few months. Or do you mean the collections department from Amex? Even so, they dont start calling until your payment is late.This just seems very odd to me that you would get fired for doing something that wasnt against the rules while you were doing it. If you were using company money for personal expenses hoping to pay it back before anyone noticed, then you need to be in rlegaladvice rather than here.Human: my name is on the card, and my credit was pulled. There is an account administrator with the company that works with Amex or whatever bank we have.The acct admin emailed me that the amex collections guy was contacting her, and asked me to call him.Its been a few months. The collections department seems like a 3rd party NCO financial.Most of the money was just groceries or odds and ends. I didnt pick up anything like a new computer etc.I may just have to email the account rep and tell her whats going on.  <response>: this is the most common way people from the company I work at are fired. Misuse of company charge cards. 