How to Resolve a Harvest Credit Management Lawsuit

Harvest Credit Management filed a lawsuit against you. You need to act fast.

When you receive a summons, the clock starts ticking. You typically have 14 to 30 days to respond. Missing this deadline hands them an easy victory.

Fear and intimidation are your enemies right now. Action is your ally.

You have legal rights and options. Gathering information about Harvest Credit Management puts you in control. You can respond to the lawsuit with our partner Solo and potentially settle for less than you owe.

What Is Harvest Credit Management?

Harvest Credit Management LLC operates from Denver, Colorado. The company launched in 2005.

They specialize in buying charged-off automobile loans. Original lenders sell these defaulted debts at steep discounts. Harvest then pursues collection on accounts they purchase.

The Consumer Financial Protection Bureau tracks complaints about Harvest Credit Management. Review their database before responding to the lawsuit.

How Harvest Credit Management Acquires Your Debt

Understanding how your debt reached Harvest helps you fight back.

Here’s how the process typically works:

• You fall behind on auto loan payments
• The original lender repossesses your vehicle
• Your car sells at auction, often for less than you owed
• The remaining balance becomes a deficiency
• The lender bundles your deficiency with other bad debts
• Harvest Credit Management purchases the entire bundle at a discount

Harvest owns your debt now. They paid pennies on the dollar for it.

The original paperwork you signed doesn’t authorize Harvest to collect. They operate as a debt buyer with limited documentation. You can challenge their evidence in court.

What Other Consumers Say About Harvest Credit Management

Consumer reviews paint a mixed picture of Harvest’s collection practices.

You can read experiences from other consumers here:

• Harvest Credit Management reviews on Google
• Better Business Bureau reviews

Some consumers report positive experiences settling their accounts. One reviewer named Antonio wrote:

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

Antonio’s experience proves settlement is possible. You can negotiate with Harvest Credit Management.

Direct negotiation with debt collectors feels overwhelming for many people. Our partner Solo helps you negotiate online without stressful phone calls.

How to Negotiate a Settlement With Harvest Credit Management

Settlement often costs less than the full amount. Harvest paid a fraction of your original debt.

They may accept significantly less than what they claim you owe.

Follow these three steps to negotiate effectively:

1. Respond to the lawsuit with a written Answer document
2. Calculate what you can reasonably afford to pay
3. Make a settlement offer to Harvest Credit Management

You can mail your offer or call directly. Our partner Solo streamlines the entire negotiation process through their digital platform.

Get Everything in Writing

Never accept a verbal settlement agreement. Harvest Credit Management must provide written confirmation.

Your settlement agreement should include:

• The exact amount you’ll pay
• Payment deadline and method
• Confirmation that payment resolves the debt completely
• Agreement not to report negative information after payment
• Dismissal of the lawsuit upon payment

Save copies of all correspondence and agreements. Honor your payment commitments immediately.

Why You Must Respond to the Lawsuit

Ignoring the lawsuit guarantees you lose. Harvest Credit Management wants you to do nothing.

Your silence triggers an automatic process:

1. Harvest requests a default judgment from the court
2. The judge grants judgment in their favor
3. Harvest gains legal power to collect the full amount
4. They can garnish your wages immediately
5. They can freeze your bank accounts
6. They can place liens on your property

Default judgments destroy your negotiating power. You lose all leverage once the court rules against you.

Responding protects your rights. Your Answer document forces Harvest to prove their case.

Build Your Answer With Affirmative Defenses

Your Answer challenges every allegation in their Complaint. Affirmative defenses question their evidence.

Harvest Credit Management must prove:

• You actually owe the debt
• They own the right to collect it
• The amount they claim is accurate
• The statute of limitations hasn’t expired
• They followed proper legal procedures

Debt buyers like Harvest often lack complete documentation. They purchased your account from another company.

Original loan agreements, payment histories, and account statements may be missing. Challenge them to produce evidence for every claim.

Common Affirmative Defenses Against Harvest Credit Management

Strong defenses can lead to favorable settlements or complete dismissal:

• Lack of standing: Harvest cannot prove they own your debt
• Statute of limitations: Too much time passed since your last payment
• Incorrect amount: Their claimed balance doesn’t match your records
• Identity error: You’re not the person who owes this debt
• Payment proof: You already paid part or all of the debt
• Improper service: They didn’t properly serve you the lawsuit

Harvest Credit Management relies heavily on business records affidavits. These sworn statements often contain errors or insufficient detail.

Your defenses expose weaknesses in their case. Our partner Solo helps you draft a strong Answer that challenges their allegations effectively.

Take Action Before Your Deadline Expires

You have limited time to respond to the lawsuit. Most states give you 14 to 30 days.

Check your summons for the exact deadline. Missing it costs you everything.

Start building your response immediately. Gather all documentation related to the alleged debt.

Look for:

• Original loan documents
• Payment records and receipts
• Previous correspondence with creditors
• Proof of payments or settlements
• Records of disputes or errors

Strong documentation strengthens your position. Even incomplete records help your case.

You don’t need an expensive attorney to respond effectively. Our partner Solo provides tools to answer the lawsuit and negotiate settlement on your terms.

What Happens After You File Your Answer

Filing your Answer changes everything. Harvest Credit Management must now prove their case.

The court won’t simply hand them a victory. They need evidence.

After you respond, several outcomes become possible:

• Harvest may offer a settlement to avoid trial costs
• The court may dismiss the case for lack of evidence
• The case proceeds to discovery and potential trial
• Harvest may withdraw the lawsuit entirely

Most debt collection lawsuits settle before trial. Debt buyers avoid courtrooms when borrowers fight back.

Your Answer demonstrates you’re serious about defending yourself. Harvest must decide if pursuing the case costs more than it’s worth.

Protect Yourself From Future Collection Actions

Resolving the Harvest Credit Management lawsuit protects your financial future.

Wage garnishment destroys your budget. Bank account freezes prevent you from paying bills. Property liens damage your credit for years.

Acting now prevents these catastrophic consequences. You control the outcome when you respond promptly.

Settlement agreements remove the debt permanently. Written confirmation protects you from future collection attempts.

Harvest Credit Management cannot pursue you again once you settle. The lawsuit disappears from your record.

Your credit score improves once the account resolves. You can rebuild your financial life without this burden.