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How to Resolve a Harvest Credit Management Lawsuit

George Simons | January 24, 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: Sued for a debt by Harvest Credit Management? Respond with a written Answer to avoid default judgment, then reach out to make an offer. Get any settlement agreements in writing, and use Solo to streamline the entire settlement process.

In the unfortunate event that you are served a summons an imaginary clock begins to tick off time. That 's because when there is a lawsuit filed against you, there is a limited amount of time for you to take the appropriate action as is your legal right.

If you were to receive a summons informing you that a lawsuit has been filed against you by Harvest Credit Management, time is of the essence. Without any doubt, this may feel like the time to worry but that feeling is contrary to your best interests. Because there is usually a 14 to 30 day window for you to respond to the Complaint, which is the term for the lawsuit.

As a result of the limited time afforded any consumer who is being sued, the development of a legal strategy is critical. Without one, the chance that the outcome would be in your benefit is doubtful. Upon receiving a summons, put aside the fear, cast away the feeling of intimidation. Begin gathering the necessary information on Harvest Credit Management to put yourself in a better position to resolve the lawsuit and settle your debt.

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What is Harvest Credit Management LLC?

One of the most important things you can do if you find yourself being sued by Harvest Credit Management is to find out all the information you can about this company. Located in Denver, Colorado Harvest Credit Management was incorporated in 2005. The Consumer Financial Protection Bureau is a federal government agency and this is just some of the information they have on Harvest Credit Management.

Who does Harvest Credit Management collect for?

Harvest Credit Management is the purchaser of charged off automobile loans. When a consumer cannot make the payments on their auto loan, they risk a repossession. That is when the finance company of the auto loan has exhausted their in house collection efforts. The repo man is given the order and they will repossess the car which was the collateral of the auto loan. Once the car is repoed, it usually goes to an auto auction. Used car dealers and buy here, pay here lots go to these auctions to buy their inventory.

The amount that the car is sold at auction is deducted from the amount that the original consumer owed when they defaulted on the loan. The finance company may make additional attempts to collect that default amount but in many cases, that debt is bundled and sold off to a company like Harvest Credit Management.

As a debt buyer of charged off auto loans, there is no collateral. There isn’t any paperwork that you as the consumer signs authorizing Harvest to effectively collect on this debt. Once Harvest Credit Management owns the paper of your auto loan, they alone decide how to collect this debt.

Read Harvest Credit Management reviews online

If you want to know what consumers have said about their experience communicating with Harvest Credit Management debt collectors, then take some time to read these online reviews:

Objectively, the online reviews for Harvest Credit Management are a mixed bag, but it is notable that there are consumer reviews reflecting the fact that you can have a generally pleasant experience when engaging with Harvest Credit Management. Consider a real example from a consumer named Antonio:

“Very efficient and very polite people. They fulfill their duties in a diligent and functional manner.”

Antonio’s review indicates that it is in fact possible to work with Harvest Credit Management to resolve your debt issue, including possibly negotiating a debt settlement.

Nevertheless, if the prospect of calling a debt collector to negotiate terrifies you, then consider using SoloSettle to negotiate online and resolve your debt through our innovative digital settlement platform.

Negotiate a debt settlement with Harvest Credit Management

If you know that you owe the debt and want to avoid going through stressful litigation proceedings, you can try negotiating a debt settlement. Harvest Credit Management may agree to settle for a lesser amount than nothing at all. They may also agree not to report your account to credit bureaus once you pay the settlement amount.

If you were served with a Summons and Complaint regarding a debt collection lawsuit filed by Harvest Credit Management, then now is the time to act and not bury your head in the sand hoping the debt will magically disappear. If you take just a few proactive steps, you could potentially get them off your back and get them to accept a significantly lower amount through negotiated settlement.

The debt settlement process can be as simple as follow these three steps:

  1. Respond to the pending debt collection lawsuit.
  2. Determine how much you can reasonably afford to pay based on the amount owed, then make an offer to Harvest Credit Management. You can send it in a letter or call them to negotiate directly. If the idea of negotiating your debt sounds unmanageable, tools like SoloSettle can help you streamline the process and move negotiations online.
  3. If you can reach an agreement, get the debt settlement terms in writing.

To learn more about debt settlement negotiation, check out this video explaining how you can negotiate a debt settlement on your own:

SoloSettle makes it easy to start the debt settlement negotiation process. Remember to maintain copies of all agreements you reach with Harvest Credit Management and honor your part of the agreement.

What to Do if Harvest Credit Management Sues?

If you were being sued by Harvest Credit Management, you may not even recognize their name. Remember, they purchase charged off debt. They may pay pennies on the dollar for these charged off auto loans. They may make cursory attempts to settle the account but if the balance due is large enough, they will file suit to collect on the debt that they purchased.

Once they make the decision to file suit, that is the time for you to take action. First of all, it is your right, secondly, you need to make sure that everything Harvest Credit is alleging in the Complaint is accurate. The courts will not allow them to simply allege anything they want. The burden of proof is on them to substantiate every allegation made on their Complaint.

No one envies a person who is being sued. It is an experience most people would do anything to avoid. Hiding from a lawsuit is just what a company like Harvest Credit wants and actually hopes you do. If you are so intimidated that you take no action, Harvest Credit Management will. They will file a motion to the court requesting a summary judgment since you didn't even bother to respond to their allegations.

Once the court grants them summary judgement, Harvest Credit can now take action to insure they get the balance owed by you. They can and probably will garnish your wages. They can and most likely freeze your bank accounts or place a lien on your personal property. .

The important thing for you to remember is that you have the legal right to respond to this legal action taken by Harvest Credit Management. Among these rights is the right to “answer” the allegations in their Complaint. These answers are known as affirmative defenses. These responses can provide an avenue that can lead to a positive result for you. It isn't out of the realm of possibility that Harvest Credit Management would be agreeable to a settlement.

Affirmative Defenses against Harvest Credit Management

Every person who is being sued for any reason has the legal right to answer any and all allegations when a suit has been filed against them. You can also make additional defenses known as Affirmative Defenses. A big factor in your legal strategy is to provide great.

Since Harvest Credit Management took the action of filing suit, the burden of proving every single allegation they have made is on them. When you provide Affirmative Defenses, you are requesting that Harvest Credit provide proof of the debt. They must prove that you are the person that owes that debt. They must provide proof of everything they allege in their filing.

This is your opportunity to challenge them on the accuracy of their lawsuit. If they cannot prove what they allege, the inconsistencies in their lawsuit become apparent. This can open the door to a settlement in your favor or quite possibly a dismissal of the suit in its entirety. By requesting proof to establish their basic facts is your right and as a purchaser of charged off auto loans, it is conceivable that Harvest Credit may struggle in being able to provide documentation to all their allegations.

This is why it is important to draft your “Answer” to the Complaint without delay. Because there is a limited window of time for you to respond. When Harvest Credit Management files a lawsuit they generally rely on “business records affidavits”. It is possible to raise specific defenses that could reveal the weakness in the Harvest Complaint. This is where Solo can help.

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