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Couch and Lambert


nursewithbadcredit
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I have a charge-off with Capital One for $4587.  They’re still the only one reporting, but a lawyers office, Couch Lambert, sent me notice. I sent a validation/verification letter and they sent me a copy of the credit card statement.  Can I settle with them or do I settle with Capital One since they’re reporting?  I feel like Capital One might just re-route me to them, but I also want the account deleted and don’t want to waste my money.

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If they are represented by counsel, then communications should go through their attorney.  The same would apply if you had let THEM know you were represented by counsel. 

 

Given that CrapOne owns the paper and has not yet filed suit, I would not get your hopes up on a deletion.  You want to simply get out of it as cheaply as possible. 

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2 hours ago, nursewithbadcredit said:

So, I should try and settle even if they won’t delete it to keep from getting sued? Thanks for your response!

Only you can run the CBA to see what makes sense...just don't forget to add in the fees that will be awarded by the Court, plus the post-judgment interest that will accumulate over the life of the judgment, and oh yeah...the impact OF the judgment. 

 

It is not at all uncommon for some of the firms to make more on the fees than the actual amount for which litigation commenced...

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  • 11 months later...

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