Harvest Credit Management... any complaints against them

MACHOL as defendant- Fair credit

1 Machol & Johannes, LLC (dft) codce 1:2009-cv-01443 480 06/19/2009 09/04/2009
Shelly v. Harvest Credit Management III, LLC et al
2 Machol & Johannes, LLC (dft) codce 1:2010-cv-00468 480 03/01/2010 03/25/2010
Duncan v. Linebarger Goggan Blair & Sampson, LLP et al
3 Machol, Jacques A., III (dft) codce 1:2008-cv-02373 480 10/31/2008 01/27/2009
Holmes v. Capital One Bank (USA) NA et al

Hi All~ this information is sooo amazing...Midland just sent me a summoned to go to court for a debt...And years ago, I had a care possessed b/c of job. HSBC sold my info to Harvest...Harvest sold my info to Glasser & Glasser who is in constant communication with the collections lawyer at the firm...I have tried on 3 different occassions to make arrangements with them and eventually ran out of money....So I stopped paying them and talking directly to the collections lawyer about my rights and what the law says. Basically the car was sold at an auction for 3200.00...Glasser and Glasser, Harvest grunt people, are sueing me for 10,000 dollars. I have already paid 3900.00 in the payment arrangement I made. But unable to pay another cent to them until I see ALL information. A little late but do I need a lawyer BEFORE they send me a summon, or should I call again and try to make arrangement....What are my options. Oh...did I tell you I go to court on August 16th...Midlands is sueing me for a credit card debt.

My husband and I owed a debt for one month rent (we moved out of apt one month early). The original amount was $650. Fast forward 10 years, I get a notice from my employer that I am being garnished $919.10 a month in the amount of almost $6000. Over ten years, M&J are now collecting interest for this ten years as well as court costs. They got away with this by leaving it on our credit for the 7 years, then right before the 7 yrs they filed a judgement, waited another 3 years and then garnished. Of course we were never notified because they used the address of the apartment we lived in (10 yrs ago). The garnishment began in Dec 2010. I was told by our rep and M&J that after taking the $919.10 for 6 months they would settle (this was after I sold my truck and tried to settle in March which they denied. Might I also mention that in December I called them and gave them all my contact information including address). June 2010 was to be the last payment. July rolled around and no garnishment. Whoo Hoo, it is over...nope. July 26th I get a notice from my employer that M&J filed a second judgement in the amount of $1600. They claimed they did not recieve our payment (that was garnished from my check) in June, plus they charged another $200 plus new court fees. I called M&J and Jacque Junior made the mistake of telling me they recieved payment June 2, yet they went to court and lied and said they didnt recieve this payment. The new garnishment was notorized on June 9th. Not to mention I had already paid the interest on this account so they were trying to collect interest on interest. We went to Jefferson County court to file criminal charges since they had lied to the courts about not receiving the payment. I was told to call the District Attorney which I did. After explaining the entire situation, he agreed to take the case and told me to notify M& J that the DA for Jefferson County would be contacting them. They are now wanting to reimburse us...go figure. We have refused thier money so it doesnt mess up the DA case. We are sueing them for fraud. I have also notified Colorado Collection Agency Board which regulates these collection agencies. I would be very interested in a Class Action as well, if this is possible. I was told by the DA to contact the BBB and anyone else who will listen. He was furious after I told him our story. I wish everyone else dealing with M&J luck. Contact the DA with complaints and see if they will help you. I cant afford an attorney after all this so it really helps that the DA is taking this on themselves. Good Luck everyone!

Harvest Credit Management, LLC is a collection agency and buys old debts and sues people, even after the statute of limitations has expired. The company has several monikers under that name. They are located in the State of Colorado, however they sue under their own name in other states claiming to own the debts.

Harvest Credit Management has been sued, as have its principal, Jacques Machol, III, Esq. for violations of the FDCPA, fraud on the court, and common fraud, false and deceptive business practices, etc.

These guys are sleazy and most consumer attorneys are aware of their illegal practices. Harvest Credit Management knows most people or businesses, who have do not owe money to a creditor or who have difficulty paying their bills cannot afford to hire an attorney to protect their rights. If you cannot afford an attorney Legal Aid services in most communities and universities will assist with collection problems.

I have an idea how they get these judgments without people being aware and still cover themselves.

I was served a summons by M&J on a debt that did not belong to me. My wife accepted the summons because it had my name and our correct address. The documents had no other identifying information so neither the server or the recipient will notice that the person being served is not the right target of the debt collection. The only way I could tell I was not the target of the collection was in the supporting financial paperwork detailing an auto purchase by a person with the same name. None of the court documents had any other identifying information. On the summons and complaint the only my name is listed in the title blocks, no address.

I called M&J and the phone collection agent told me "Well there are 40 "John Smiths" (not true as my real name has at most a few Colorado matches) in Colorado and we don't expect them all to come to court just the one who owes the debt." He told me I didn't need to do anything and didn't need to come to court. He said they knew by social security number that I was not the debtor. I noted that there was no social security number on my summons or complaint. I told him I wanted a letter from the firm saying they realized the service was in error and to protect me from them getting default judgment against me. He refused saying they knew it wasn't me and I didn't need to do anything. The conversation went downhill from there with me getting indignant about the abuse of the process and thinking that they scattershot served everyone with the same name hoping to get the right party to show and him acting like a standard debt collector and constantly reminding me that he was recording everything.

I now realize they probably don't scattershot serve everyone with the same name. They probably deliberately serve an incorrect person with the same name. That person calls and says "not me" ,they say "sorry, ignore the summons" we'll take care of it ,and then they go to court and get a default judgement against the original debtor by saying we have a proof of service on "John Smith" right here. Of course there are several bureaucratic layers of deniability between the boiler room collector saying they'll fix it and the courtroom rep asking for the default judgment based on the court file.

If you are attacking their service I would look for these indicators.

I think the fact that their corporation name has more incarnations than the Rocky franchise says a lot about their legitimacy.

Has anyone really filed a class action suite against Machol & Johannes?????

This law firm has ruined my daughters life. They bought her capital one debt and have been mean vicious and unwilling to work out payments. They threatened to file a judgment if she did not pay a high monthly payment. They filed a judgment anyway and garnished her account without notice. She begged them to work with her. Bunch of hard hearted people. What goes around comes around.

They also a collections for bad debt

use chapter 11 of N.A.F.T.A. of 1996 against these a---hole

Create allancie with like minded people and strong powerful freedom warriors

whos will to hit these a-holes with law rockets

My husband received a court summons citing Commerce Bank as the Plaintiff and Attorneys representing as Jacques Macholl of Machol and Johannes. There is no Case # and the Div: and Ctrm are not completed either. The summons is signed in blue pen by the dirty scum bag. Just wondering if this is a legal document since there is no case # on it. Just seemed odd to me.

I had just resumed making payments to Commerce Bank back in November not realizing it had gone to Machol. So I guess this means I should stop making payments to Commerce Bank if they have sold it to a debt collector since those payments won't be credited to us (paid $550 over last year to Commerce Bank which is not reflected in the complaint amount)?

Machol and Johannes is a law firm hired by Commerce Bank for suing you. If you're paying the Commerce Bank on time, they shouldn't sue you. You should contact Commerce Bank and ask them to clarify the matter as to why your account has been sent to a law firm when you were making the payments on time.

well served.check with your court clerk to be sure,but if that is the case then answer the summons and as anna suggested talk with commerce and if you are current,or paying them then get something from them stating that.above all else make sure the summons is real before proceeding.

We had not been paying Commerce Bank on time, I just recently started sending in payments (minimal and nowhere near the "minimum" which is "balance in full") 2 months ago so it was referred to Machol. Is the suit from Commerce Bank or Machol? It reads that Commerce Bank is the Plantiff. I was wondering about the Case No., because when I file a Notice of Appearance I am supposed to include the Case No., but it does not appear on the summons.

again check with your court,or their website.on the website just type in you as the defendent or the plaintiff and if their is a case then the number should come up.if not then the summons is not legit.i'm suspicous now because i don't know the rules for service in your state.you see in IL where i reside i must be served in person by my sheriff.some states do allow service by mail.again check your clerk's website under dockets.you should be able to find the case by either plaintiff or defendent.that is if it exists.

Machol drained my bank account this past Friday with no warning. The judgement was served back in 2007 and then amended in 2008, I think. Then they waited three years to garnish me. Drained my account to 00.00. They have set up a payment plan with me but after reading this thread I am very scared that they will not uphold the deal and will just drain my account again. Any advice?

they drained my account today no warning no court order no nothing ive never even heard from these people!

If they hit your bank account you may have a judgment against you. Call your bank and find out what happened and check your county court to see if you were sued. If you were sued and never got a summons then you can get the judgment vacated.