Consumer complaint received 2024-02-23
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Couch Lambert LLC (OK)

I am writing to formally address the issues I have encountered in attempting to resolve a matter concerning a lawsuit filed against me by Couch Lambert, LLC, on behalf of XXXX XXXX, regarding Case # XXXX. 

On XX/XX/XXXX, I received a summons regarding the aforementioned lawsuit. In response, I promptly replied with a notarized affidavit on XX/XX/XXXX, and requested that all supporting documentation pertaining to the alleged debt be sent to me via certified mail at my home address. Unfortunately, despite this request, I never received the requested information. 

Due to personal circumstances, including the unfortunate deaths of XXXX family members in XX/XX/XXXX, I was unable to attend to all of my correspondence during that time. Consequently, it was not until recently that I discovered a letter from Couch Lambert dated XX/XX/XXXX, indicating a Settlement in Full ( SIF ) amount of {$20000.00}. 

Subsequently, on XX/XX/XXXX, I contacted Couch Lambert and spoke with XXXX XXXX XXXX, a representative of your firm, to discuss and request the SIF. We agreed upon the aforementioned amount, and I was assured that a settlement letter would be sent to finalize the matter. However, despite this agreement, the settlement letter was never sent to me. 

While awaiting the settlement letter, I received a notice from XXXX XXXX, Judge of the XXXX XXXX, XXXX XXXX, with a court date scheduled for XX/XX/XXXX. During this period, my son sustained an injury requiring medical attention, which understandably diverted my focus. He was subsequently diagnosed with a XXXX fracture on XX/XX/XXXX. 

Upon resuming my efforts to address this matter, I contacted XXXX XXXX on XX/XX/XXXX and XXXX, XXXX, requesting the XXXX letter. Although assurances were given, the letter was not received. Finally, on XX/XX/XXXX, the letter was sent, albeit password protected, rendering it inaccessible using the provided password format. 

I again contacted XXXX XXXX on XX/XX/XXXX, requesting a new XXXX letter and a two-day postponement to Pay in Full ( PIF ) due to the ongoing issue with accessing the previous letter. I made it explicitly clear that without the necessary documentation, I am unable to fulfill the settlement agreement or arrange for the required funds. 

All communication with XXXX XXXX has been recorded, and I have consistently emphasized the need for proper documentation to proceed with any settlement. I have demonstrated a willingness to resolve this matter, yet have been hindered by the unavailability of the required paperwork. 

I am deeply concerned about the lack of responsiveness and the failure to provide essential documentation necessary for resolving this issue. Given the circumstances outlined above, I urge you to take immediate action to rectify this situation and provide the requested SIF letter without further delay. 

Furthermore, I respectfully request a two-day extension to the XXXX deadline to allow for the resolution of this matter. 

I trust that you will give this matter your prompt attention and provide a satisfactory resolution at the earliest convenience. Should you require any further information or clarification, please do not hesitate to contact me. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX