Dealing with debt is challenging enough, but facing a lawsuit from a debt collection law firm like Couch Lambert, LLC, can feel overwhelming and uncertain. If you received a notice that you are being sued, it is critical to understand that you have legal options to fight and resolve it. Below, our Texas debt collection defense attorneys highlight what you should know about Couch Lambert, LLC, and what to do if Couch Lambert is suing you. What Is Couch Lambert, LLC?
Couch Lambert, LLC is a debt collector and law firm. It represents creditors, lenders, debt buyers, and third-party debt collection companies to recover consumer and commercial debts. According to Couch Lambert’s website, it handles many types of consumer collection cases, including the following types of debt:- Credit card debt
- Installment loans
- Auto loans
- Student loans
- Retail loans
What Creditors Does the Couch Lambert Law Firm Represent?
Couch Lambert represents many banks, credit card companies, and lenders. For example, in Texas, Couch Lambert often represents the following creditors: In addition to representing creditors, Couch Lambert often represents debt buyers and third-party debt collection companies. You may not recognize these companies because you would not have opened a credit card account or taken out a loan with them. They buy debt from creditors and lenders for a fraction of the value, then come after consumers for the total amount. These companies include, but are not limited to:- AIS Services, LLC
- Crown Asset Management, LLC
- Oliphant Financial, LLC
- Unifund CCR, LLC
- Velocity Investments, LLC
What to Do if Sued by Couch Lambert in Texas
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What Are My Legal Options if Facing a Couch Lambert Lawsuit?
You generally have a few legal options when facing a credit card or debt collection lawsuit in Texas. Your best legal options will depend on the unique circumstances of the case. However, your options may include the following:
Challenging the Lawsuit
Once you respond to the lawsuit, the burden of proof is on Couch Lambert and its client. Couch Lambert must prove that you owe the debt, that its client owns it, and that it has the legal right to collect it. It may not have enough evidence to prove its case, especially if the debt has been bought and sold multiple times. Additionally, you may have strong defenses that can help you win the debt collection case. Common defenses in a debt collection case include, but are not limited to:- Statute of limitations. A creditor or debt buyer has a certain amount of time to sue a consumer, called a statute of limitations, for a debt. In Texas, the statute of limitations for debt collection is four years. If that deadline has passed, the debt is time-barred, meaning you cannot be sued over it.
- Debt already paid or discharged. If the debt has already been paid or discharged, such as in bankruptcy, you can use that as a defense to get the case dismissed.
- Mistaken identity. If you do not recognize the debt, you may have grounds to challenge the lawsuit based on mistaken identity or identity theft.
Negotiating a Settlement
Negotiating a settlement with Couch Lambert may be a good option, depending on your situation. You may consider a settlement for several reasons, including:- Recognizing you may owe the debt
- Resolving the case quickly
- Avoiding court
- Avoiding a judgment
