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How to Settle Debt With Couch Lambert

George Simons | January 31, 2025

Fact-checked by Patrick Austin, J.D.

Patrick Austin
Attorney from George Mason
Patrick Austin, JD

Patrick Austin is a licensed attorney with a background in data privacy and information security law. Patrick received his law degree at George Mason University's Antonin Scalia Law School, where he served as the Editor-in-Chief for the National Security Law Journal.

George Simons
Co-Founder of SoloSuit
George Simons, JD/MBA

George Simons is the co-founder and CEO of SoloSuit. He has helped Americans protect over $1 billion from predatory debt lawsuits. George graduated from BYU Law school in 2020 with a JD-MBA. In his spare time, George likes to cook, because he likes to eat.

Edited by Hannah Locklear

Hannah Locklear
Editor at SoloSuit
Hannah Locklear, BA

Hannah Locklear is SoloSuit’s Marketing and Impact Manager. With an educational background in Linguistics, Spanish, and International Development from Brigham Young University, Hannah has also worked as a legal support specialist for several years.

Summary: If you’ve been sued for debt, respond with a written Answer to avoid default judgment. Then, reach out to Couch Conville & Blitt - now known as Couch Lambert - to negotiate and settle the debt for less. They will work with you, but you can also use tools like Solo to streamline the process and protect your rights.

Getting contacted by a debt collection law firm like Couch Lambert (formerly known as Couch Conville & Blitt) may have you feeling stressed out and anxious about the future. If so, do not give up hope. You have legal rights and options to move forward. For example, you could proactively engage with Couch Lambert and try to negotiate a debt settlement.

Keep reading for negotiation tips and tricks to help you settle your debt with Couch Lambert.

Settle debt with Couch Lambert

You can negotiate debt settlement at any stage of the collections process. SoloSettle makes it easy.

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What is Couch, Conville & Blitt?

Couch, Conville & Blitt was the prior name of a debt collection law firm based in New Orleans, Louisiana. The firm now operates under the name Couch Lambert. The debt collection law firm has been in business since 2013. Here is the Couch Lambert phone number and mailing address:

Who does Couch Lambert (formerly known as Couch, Conville & Blitt) collect for?

Couch Lambert represents various companies in debt collection matters, including credit card companies, personal loan companies, auto loan companies, hospitals, and so forth.

Read Couch Lambert reviews online

If you intend to engage with Couch Lambert to discuss your debt collection matter, then it is recommended to check out what others have said about their interactions with the law firm. Here are some real online reviews:

Objectively speaking, the online reviews for Couch Lambert are not all five stars (some good, some not so good). But it is important to bear in mind that there are positive reviews indicating that consumers can have a productive experience when they proactively reach out to Couch Lambert to discuss a debt issue. Take, for example, the review posted by a borrower named Jackie:

“Through the grace of God, I did it. Covid hit, significant other and I departed ways. I was left with all the debt, being a single mom, and working my butt off. My grandfather always stated, “Owe no man. Pay your debts.” It was tough, I was paying 256.00 bi-weekly. My final payment has been made!! I did it, thank you Jesus. I never had trouble reaching anyone. The debt was to American Express. I currently have rebuilt my credit, have two credit cards with no balance, an improved fico and credit score, thanks to Capital One and Discover. I was always greeted nicely by the representative and transferred to the correct department. Couch and Lambert thank you. American Express thank you. God I thank you.”

Jackie’s review highlights the importance of proactively reaching out to Couch Lambert and establishing a line of communication. Jackie’s experience shows that they may be open to working with you to achieve a resolution to your debt collection matter. You can have a similar experience and resolve your debts if you communicate openly with Couch Lambert

Don't let debt collectors push you around. File a response with Solo.

Negotiating a debt settlement with Couch Lambert

Do you want to pay off your debt, but you don't have the funds to pay off the entire thing? Negotiating a debt settlement may be a worthwhile option to consider.

For context, debt settlement typically involves paying off a portion of your total debt to clear your name of the debt and get your debt lawsuit dismissed. If you're experiencing unexpected financial hardship, most creditors and debt collectors are willing to work with you, whether that's settling for a smaller, lump-sum payment or working out a payment plan that works with your budget.

If debt settlement sounds like the right option, determine how much you can afford to pay and start communicating with Couch Lambert (previously known as Couch, Conville & Blitt). The more you offer in a settlement, the more likely the company will accept it.

Generally, offering at least 60 percent of the debt’s total value is a good starting point. However, if you have extenuating circumstances, the company may entertain a lower amount. Keep in mind that you may go back and forth with Couch Lambert before you reach a deal.

Note: Even if you plan to settle your debt, it’s important to file an Answer in your case. This will block a default judgment and buy you time to negotiate debt settlement. Plus, many creditors and debt collectors are more likely to accept a settlement if they know you are willing and prepared to fight the case in court.

Not sure how to negotiate a debt settlement? Watch the following video to learn more about how to settle a debt with Couch Lambert

SoloSettle, powered by Solo, is a tech-based approach to debt settlement. Our software helps you send and receive settlement offers until you reach an agreement with the collector. Once an agreement is reached, we’ll help you manage the settlement documentation and transfer your payment to the creditor or debt collector, helping you keep your financial information private and secure.

Settle with SoloSettle

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Understand Your Legal Rights When Contacted by Couch Lambert

It is important to understand that you have legal rights under the Fair Debt Collection Practices Act. The FDCPA lays out many rules and regulations that restrict how debt collectors can contact you. Some of these rules include the following:

  • A debt collector may not call you before 8 am or after 9 pm;
  • A debt collector cannot use rude or vulgar language when they contact you;
  • A debt collector is not allowed to threaten you with a debt collection lawsuit. cannot threaten you with legal action; and
  • A debt collector cannot ever call you at work.

Protect your rights if you get sued by Couch Lambert

If Couch Lambert sues you for debts you allegedly owe, it is vital to respond to the lawsuit quickly and proactively. Do not ignore the lawsuit and throw the notices in the trash. The lawsuit will always be there and even if you ignore it, it will not go away. Ignoring the suit means Couch Lambertwins. Never make this mistake - you can fight back!

Here are some critical tips when writing your Answer to the lawsuit:

  • Never admit that you owe any debt. This is important because Couch Lambert (previously known as Couch, Conville & Blitt) must prove that you owe what they claim you owe.
  • File your lawsuit Answer with the appropriate Clerk of Court on a timely basis, which is usually within 20 or 30 days after you receive the complaints.
  • Mail the Answer copy that is stamped by the Clerk of Court to Couch Lambert.

Use Solo to answer a debt collection lawsuit in 15 minutes.

Raise these affirmative defenses in your Answer

When you answer the debt collection lawsuit, you have a chance to highlight any problems with the allegations they make. As we mentioned earlier, debt collectors must prove that you owe what they claim you owe. This means Couch Lambert must prove these things before you are legally responsible for the debt:

  1. The debt collector is legally authorized to sue you;
  2. You are the person who owes the debt; and
  3. You are the actual individual responsible for the debt; and
  4. You owe the amount noted by Couch Lambert (previously known as Couch, Conville & Blitt) in the complaint filed with the court.

If Couch Lambert cannot prove the above points, there is a great chance that you can prevail in Court and could even get the lawsuit tossed out.

Depending on your case facts, you could argue that Couch Lambertdid not file the suit within the statute of limitations timeline. The statute of limitations states the time that someone has to sue you. The debt collection company needs to file the suit within that time limit or they have no legal recourse.

If the case facts show that Couch Lambert (previously known as Couch, Conville & Blitt) sued you for something where the statute of limitations expired, you may be able to file a motion to have the legal action dismissed with prejudice.

There are other things you can do when engaging with Couch Lambert. You could consider filing a counterclaim if you possess evidence that there may have been violations of the FDCPA.

Respond to debt collectors fast with SoloSuit and win in court.

Resolve debt with Couch Lambert

Below is a quick rundown of what you should do if you are sued by Couch Lambert:

  • Write down phone calls that Couch Lambert makes to you before 8 am or after 9 pm. Also, write down if they call you at work or use vulgar language. None of these things are allowed and if they do them, they can be made to pay!
  • File your Answer within whatever timeline is stated by the court.
  • In the Answer, think about raising some of the aforementioned affirmative defenses, such as the statute of limitations expiring. Also demand that Couch Lambert provide proof that you owe the debt and that you are the one who owes the debt as alleged.

The strategies we mention here are effective ways to beat Couch Lambert in court.

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