Everest Receivable Services on Your Credit Report: What to Know

Everest Receivable Services appears on credit reports under several names, including Everest Receivables, Everest Rec Svs, Everest Collection Agency, and Everest Inc. All of these refer to the same Getzville, New York company. If you see any of these names on your report, the article below applies.

The company focuses primarily on medical debt and has accumulated over 30 federal lawsuits along with two documented settlements involving robocall violations and workplace disclosure of a medical balance. This guide covers who they are, their specific complaint patterns, and how to respond.

Who Is Everest Receivable Services?

Everest Receivable Services, Inc. is a debt collection agency founded in 2008 and headquartered in Getzville, New York, in the Buffalo metro area. The BBB has accredited them since January 2012 and lists 32 complaints on record. Over 30 federal lawsuits appear in PACER records.

Everest operates as both a third-party contingency collector and a debt purchaser. Their primary focus is hospital bills and healthcare provider balances. They also collect on credit card accounts, utility bills, and other consumer debt.

The Employer Disclosure Settlement: Medical Debt Disclosed to a Supervisor

A documented case settled after Everest contacted a consumer’s employer and disclosed a medical debt to their workplace supervisor. That disclosure is a direct violation of FDCPA Section 1692c(b), which prohibits sharing debt-related information with third parties without the consumer’s consent.

The case settled for $8,000 plus full deletion of the debt from the consumer’s credit report. Medical debt disclosure to a workplace supervisor is one of the more serious FDCPA violations a collector can commit because it creates professional consequences beyond the debt itself.

If Everest has called your employer and disclosed any information about a medical balance, document the date, who was called, and what was said. That conduct is actionable under the FDCPA.

The TCPA Robocall Settlement: $18,000 After Calls Continued

A second documented case involved Everest making automated calls to a consumer’s cell phone daily. The consumer told them to stop. The calls continued. Each automated call to a cell phone after a cease request is a potential TCPA violation worth $500 to $1,500 per call.

That case resulted in an $18,000 TCPA settlement. The TCPA claim runs separately from any FDCPA claim, meaning a consumer can pursue both simultaneously if Everest has also committed FDCPA violations in the same collection effort.

If Everest is calling your cell phone with automated or prerecorded messages, log every call with the date, time, and number. Do not delete voicemails. Twenty documented calls creates substantial TCPA exposure.

Named Federal Cases Against Everest

Three named federal cases are documented within a single 18-month window. In June 2018, a Brooklyn consumer filed FDCPA and TCPA claims for robocalls, contacting relatives, and failing to identify as a debt collector. In September 2017, a California consumer filed FDCPA and Rosenthal Act claims for continued calls after a cease request. In November 2017, an Alabama consumer filed FDCPA and EFTA claims.

The geographic spread across New York, California, and Alabama confirms that Everest’s documented complaint patterns are not limited to any single region.

BBB-Documented Complaints: Refusing Written Validation

A documented BBB complaint describes Everest refusing to send written validation of the debt and instead offering only a settlement figure by email. A debt collector is required under FDCPA Section 1692g to provide a written validation notice. A settlement offer sent via email does not satisfy that requirement.

A second BBB complaint describes Everest calling a consumer’s in-laws to obtain location information. Everest’s own compliance officer confirmed the agent was disciplined. Contacting relatives multiple times for location information exceeds what Section 1692b permits.

What Everest Cannot Do Under Federal Law

Based on their documented cases and complaint record:

• Disclose medical debt to a consumer’s employer or supervisor: The $8,000 settlement case confirmed this is a documented Everest pattern and a direct FDCPA violation.
• Continue automated calls after a cease request: The $18,000 TCPA settlement documents this exact conduct. Each call after the cease request is a separate potential violation.
• Fail to identify as a debt collector during calls: The 2018 Desiree C. case includes this as a documented Everest complaint.
• Refuse to provide written validation and substitute a settlement offer: A written validation notice is a legal requirement, not optional. An email settlement offer is not a substitute.
• Contact relatives multiple times for location information: BBB complaint records and Everest’s own response confirm this occurred and resulted in internal discipline.

Verify the Debt Before Paying Anything

Send a written validation request by certified mail within 30 days of first contact. For medical accounts, request the itemized bill from the original provider and your insurer’s explanation of benefits. Insurance coordination failures and billing errors produce incorrect balances frequently in medical collections.

Federal rules also prohibit medical debts under $500 from appearing on credit reports and require a one-year waiting period before any medical debt can be reported. If Everest has reported a medical balance under $500, or reported one less than a year past due, dispute it with all three bureaus immediately.

How to Check Your Credit Report for Everest Entries

Search all three bureaus for every name variant: Everest Receivable Services, Everest Receivables, Everest Rec Svs, Everest Collection Agency, and Everest Inc. Confirm the original healthcare provider is identified and the balance matches what the provider billed after insurance processing.

How Long Can Everest Legally Pursue the Debt?

New York, where Everest is headquartered, has a 6-year statute of limitations on written contracts. The relevant statute is the state where you currently reside. Check your state’s limit before engaging on any older account.

Your Options for Resolving an Everest Account

• Document every automated call immediately: The $18,000 TCPA settlement came from a pattern that started with daily robocalls. Logs with dates and times are what make TCPA claims viable.
• Verify all medical balances against your EOB before paying: Insurance errors account for a meaningful share of Everest’s documented complaint volume.
• Dispute medical entries under $500 with all three bureaus now: Current CFPB rules make these immediately disputable without waiting for Everest’s response.
• Report workplace disclosure of debt to a consumer attorney immediately: The $8,000 settlement confirms this specific conduct is actionable and has resulted in full credit deletion.

How to Contact Everest Receivable Services

• Address: Everest Receivable Services, Inc., 2351 N Forest Road, Suite 100, Getzville, NY 14068
• Phone: (888) 397-2894

Bottom Line

Everest Receivable Services has two documented financial settlements tied to specific conduct: disclosing medical debt to a consumer’s employer and continuing automated calls after a cease request. Both resulted in significant payouts and, in one case, full credit report deletion.

Before responding to Everest on any medical account, verify the balance against your insurer’s records and check whether the debt qualifies for medical debt reporting protections. If Everest is calling your cell phone with automated messages, start logging every call now.