Mega producer Sean Garrett never leaves home without his American Express card … but unfortunately, he doesn’t always pay his bill … so says a new lawsuit filed by the credit card company.

According to the lawsuit filed in Fulton County, GA … Garrett (who has worked with the likes of Beyonce, Usher, and Nicki Minaj) racked up a bil with Amex to the tune of $108,084.62.

A sample of Garrett’s bill included in the lawsuit listed his credit limit as $55,000 … and now he owes almost twice that. Ouch!

It’s unclear what Garrett allegedly blew all his credit buying.

But the Amex lawsuit is peanuts compared to his tax problem. As TMZ first reported, the State of Georgia filed a tax lien against Garrett earlier this year, claiming he owes $732,553.57 in back taxes for the years 2006 and 2007.

Calls to Garrett have not been returned.



via: tmz