Evergreen Financial Services


Is Evergreen Financial Services hurting your credit score?

Schedule a free credit consultation to find out how you can eliminate inaccurate and questionable negative information from your credit report.

Who is Evergreen Financial Services?

Evergreen Financial Services, Inc. (EFS) is a debt collection agency based in Washington state. With its main office located in Yakima, and additional offices in Richland and Olympia, EFS provides collection services across the state and potentially beyond.

They may appear on your credit report if you have any outstanding debts that have been passed onto EFS for collection.

Who does Evergreen Financial Services collect for?

Evergreen Financial Services works with government entities to recover any outstanding public debts such as fines or taxes. They also work with healthcare providers, assisting them in collecting unpaid medical bills.

In addition, they collaborate with retail businesses to recover past-due accounts and handle small claims debt, typically relating to disputes between private individuals or businesses. Finally, EFS assists utility companies in collecting unpaid bills, ensuring these essential services can continue to operate effectively.

Is Evergreen Financial Services legit or a scam?

Evergreen Financial Services is a legitimate company. They are authorized to collect debts on behalf of their clients. However, it’s important to verify any debts they claim you owe before making any payments.

How can I remove Evergreen Financial Services from my credit report?

Collections can hurt your credit score and stay on your credit report for up to seven years, even if you pay them. Paying the collection might even lower your credit score.

However, it is possible to remove a collection account from your credit history before seven years.

(Though debt collectors may not want this widely known, it’s your right to be informed.)

Ready to Raise Your Credit Score?

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They can help challenge inaccurate, unfair, or unsubstantiated information on your credit report, including collections, inquiries, late payments, charge-offs, foreclosures, repossessions, bankruptcies, and more.

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Evergreen Financial Services, Inc. Contact Information


Evergreen Financial Services, Inc.
1214 N 16th Ave
Yakima, WA 98902

Mailing address:

Evergreen Financial Services, Inc.
PO Box 9073
Yakima, WA 98909

Phone number: (800) 280-5879 or (509) 654-7110

Should I contact or pay Evergreen Financial Services?

Before contacting a debt collector, verify that the debt is legitimate and accurately reported. Credit reports can contain errors or list debts that are no longer valid. Also, be aware that making payments on a debt can reset the clock and potentially harm your credit.

The most effective way to deal with Evergreen Financial Services is to work with a credit repair professional. They help remove millions of negative items every year from companies like Evergreen Financial Services, Inc. on behalf of their clients.

Will Evergreen Financial Services sue me or garnish my wages?

While Evergreen Financial Services has the ability to sue you to recover an unpaid debt, it’s not guaranteed they will. Legal action generally depends on the size of the debt, the cost of legal proceedings, and their assessment of the likelihood of success. If they do obtain a judgment against you in court, it’s possible that they could garnish your wages as a method of enforcing that judgment.

Evergreen Financial Services, Inc. Complaints

Many collection agencies have numerous complaints filed with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Most complaints are about inaccurate reporting, harassment, or failure to verify a debt. If you are being harassed, consider filing a complaint.

You have many consumer rights under the Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA). These rights include disputing credit reporting errors and being treated fairly and respectfully by debt collectors.

Your Rights When Dealing with Evergreen Financial Services, Inc.

Debt collectors must follow state and federal laws. The Fair Debt Collection Practices Act (FDCPA) prohibits abusive, unfair, or deceptive practices and ensures your rights are protected:

  • It is a violation of federal law for Evergreen Financial Services to report inaccurate or incomplete information about you.
  • You have a legal right to request debt validation on an alleged debt. Send the collection agency a debt validation letter. They have 30 days to prove the debt is yours and the amount is accurate.
  • Evergreen Financial Services cannot threaten or harass you, call repeatedly, swear at you, or publicly publish a list of debtors.
  • Evergreen Financial Services must be honest about who they are and their purpose. They must notify you in writing and verbally that they are a debt collection agency.
  • Evergreen Financial Services cannot threaten to have you arrested or imprisoned for unpaid debts.

Remove Evergreen Financial Services From Your Credit Report Today!

Credit Saint can help you dispute Evergreen Financial Services collection accounts. With over 15 years of experience, they have a proven track record of removing incorrect entries for many clients.

If you’re tired of dealing with debt collectors and want to improve your credit, consider working with a trusted credit repair company.

They have helped many people in your situation. Fill out the form on their website or call (855) 281-1510 for a free credit consultation to see what they can do for you.

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Meet the author

Crediful is your go-to destination for all things related to personal finance. We're dedicated to helping you achieve financial freedom and make informed financial decisions. Our team of financial experts and enthusiasts brings you articles and resources on topics like budgeting, credit, saving, investing, and more.