Heights Finance

Corporate structure

Who owns Heights Finance?

Heights Finance is owned by or affiliated with Attain Finance (formerly CURO Group Holdings).

Loan and account types Heights Finance sues over include: Its own high-rate installment loans (median principal about $585 per the 2023 CFPB complaint's allegations), Refinanced loans (over 70% of receivables, per the same complaint), Opt-in credit insurance and add-on products sold with loans.

Proof checklist

What to check before you admit, pay, or ignore the lawsuit

A debt-buyer profile is useful only if it helps you act on the papers in front of you. Start with deadline and court track, then review these proof points before default pressure becomes the main issue.

Common issues to review may include whether the plaintiff can prove ownership chain, amount, standing or authority to sue, account documents, timing, service, and assignment paperwork. Answered helps you preserve and organize issues for review; it does not decide what arguments you should make. Consumer debt lawsuit defense in 32 states. Start free — Answered checks whether it can build your Answer before you pay anything. Check your deadline free before any paid packet decision.

Your next steps

What to do if Heights Finance is suing you

1. 1
   Find your deadline immediatelyYou have a limited number of days to file your Answer after being served — typically 20 to 35 days depending on your state. Missing this deadline results in a default judgment. Check your state’s guide for the exact deadline.
2. 2
   Review the amount, not just the debtHeights Finance likely owns the account it sued on, so the leverage is usually the math: interest, fees, add-on products, how your payments were applied, and — for auto loans — whether the repossession sale and deficiency were handled properly. A timely Answer preserves every one of those challenges.
3. 3
   Check the statute of limitationsCollection plaintiffs sometimes sue on old accounts. If the limitations period in your state has run since your last payment or the charge-off date, you may have a complete defense. Look up the state guide for your jurisdiction.
4. 4
   File your Answer — even if you plan to settleFiling a timely Answer preserves all your defenses and gives you leverage to negotiate a better settlement. Do not ignore the lawsuit expecting it to go away. See your state’s defense guide.

Frequently asked questions

Common questions about Heights Finance

• The plaintiff says Covington Credit — is that Heights Finance?

  Very likely yes. Heights Finance's lending entities kept their legal names even as storefronts rebranded: Covington Credit of Texas, Inc. (often d/b/a Heights Finance), Covington Credit of Alabama or Georgia, Southern Finance of Tennessee or South Carolina, Quick Credit Corporation, and Heights Finance Corporation in the Midwest. Whichever entity is on your summons is the lender you borrowed from — the original creditor — so the fight is usually the amount, not ownership.

• Does Heights Finance sue its borrowers?

  Yes. ProPublica's court-data analysis counted 2,912 Missouri collection suits by Heights Finance Corporation from 2009 to 2013 — the fifth-highest filer among the state's high-cost lenders — and its collection cases appear in court records through the present. No newer comprehensive counts have been published.

• What was the CFPB case against Heights Finance?

  In August 2023 the CFPB sued Heights Finance Holding and its subsidiaries, alleging a loan-churning model: median 92% APR loans, over 70% of the portfolio refinances, and incentives that allegedly pushed borrowers into repeated refinancing. The case was voluntarily dismissed with prejudice in February 2025 — no settlement, no penalty, and no finding of liability. The allegations were never adjudicated, and they still describe exactly the account features worth checking in any Heights collection suit.

• What should I check before paying a Heights Finance lawsuit?

  The refinance chain. If your loan was refinanced repeatedly, each renewal may have restructured the balance and added fees or credit-insurance premiums. Ask for the complete account history across every refinance, an itemization of the claimed balance, and the contract — a Texas regulator ordered the company in December 2024 to stop using a loan contract that failed the state's plain-language readability rules.

• How many CFPB complaints does Heights Finance have?

  Complaints are recorded under its parent rather than the brand: the CFPB database shows 3,531 complaints under CURO Intermediate Holdings (all-time, checked July 2026), which covers all CURO/Attain brands including its payday lenders, not Heights alone. Complaints are consumer-submitted reports, not verified findings of wrongdoing.

• Is Heights Finance legit, or is it a scam?

  Legitimate — a real lender whose parent (CURO, now Attain Finance) went through a 2024 corporate bankruptcy that did not erase borrowers' loans or its right to collect them. Legitimate is not the same as proven: in court it still has to support the balance it claims, renewal by renewal, fee by fee.

• What should I do if Heights Finance or Covington Credit is suing me?

  Check your response deadline — it runs from the date you were served. File a timely Answer denying what you cannot verify, and demand the full account history and an itemization of the balance across every refinance. Responding on time prevents the default judgment that turns a storefront loan into a garnishment.

State defense guides

Sued by Heights Finance? Find your state