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 remain on your credit report for up to seven years regardless of whether you pay it or not. Unfortunately, paying the collection could even lower your credit score.
However, it is possible to remove a collection account from your credit history before seven years.
(While debt collectors may not want this information to be widely known, it’s your right to be informed.)
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In addition to collections, they can help you to challenge other inaccurate, unfair, or unsubstantiated information on your credit report. These items include 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
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?
It’s best to avoid speaking to a debt collector on the phone. And making payments on the debt will reset the clock. As a result, it could harm your credit rather than improve it. However, sometimes it’s better just to pay the collection account, especially if it’s new, and you’re certain that it’s legit.
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
Most collection agencies have numerous complaints filed against them with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Most consumer complaints are about inaccurate reporting, harassment, or failure to verify a debt. If a debt collector is harassing you, you may want to 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 the ability to dispute credit reporting errors and to be treated fairly and respectfully by debt collectors.
Your Rights When Dealing with Evergreen Financial Services, Inc.
Debt collectors must abide by state and federal laws in the United States. For example, the Fair Debt Collection Practices Act prohibits a collection agency from using abusive, unfair, or deceptive practices. In addition, it provides you with many rights to ensure that collection agencies don’t take advantage of you. In particular:
- 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. By law, they have 30 days to prove to you that the debt is really yours and the total amount is accurate.
- Evergreen Financial Services may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
- Evergreen Financial Services must be honest about who they are and what they are attempting to do. They must notify you that they are a debt collection agency both orally and in writing.
- Evergreen Financial Services cannot threaten to have you arrested or imprisoned over unpaid debts.
Remove Evergreen Financial Services From Your Credit Report Today!
Credit Saint can assist you in disputing Evergreen Financial Services collection accounts. With years of experience at their disposal, these professionals have a proven track record of effectively removing incorrect entries for countless clients.
If you’re tired of dealing with debt collectors and want to improve your credit, consider working with a trusted credit repair company.
Ready to Repair Your Credit?
Learn how to get help disputing errors on your credit report that could be hurting your credit score.
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