$60,000 in Amex debt

by Laura
(MO)

Hello, my 21 yr old son was recently laid off from a company who supplied him with a credit card, which he directly pays to Amex..they did not ask for the card after he was let go, and used it a few months later, now it totals $60,000, meantime, he has lost another job..he cannot possibly pay this off..
In the state of Mo. where I am from, he could not get a credit card limit for over $1000. How/why can this card be given to a 21 yr old, with no credit history, and now, no credit at all. He said he called Amex directly to see about a payment plan, he can only afford $300 a month, they said he would have to come up with $40,000 and then he could make payments. He is also has a slight learning disability, so I really need to help with resources. He wants to file bankruptcy, some lawyer told him he has committed fraud with the card?? I would think that the card should have been turned off, after he was let go..anyway, any suggestions.

thanks
Mom