If you’ve noticed Evergreen Professional Recoveries on your credit report, it likely means an unpaid debt has been sent to collections. Evergreen Professional Recoveries, Inc. (EPR) is a debt collection agency based in Bothell, Washington, that works with businesses to recover past-due balances.
Collections can hurt your credit score for years, but there are steps you can take to deal with the account—and possibly remove it from your credit report.
Who Does Evergreen Professional Recoveries Collect For?
Evergreen Professional Recoveries works with companies across many industries, including:
- Banks and lenders
- Commercial businesses
- Colleges and universities
- Government agencies
- Healthcare providers
- Retailers
If you’ve fallen behind on payments in any of these areas, your account may have been turned over to Evergreen Professional Recoveries.
Is Evergreen Professional Recoveries Legitimate?
Yes, Evergreen Professional Recoveries is a legitimate debt collection agency. They are authorized to collect debts on behalf of other businesses. That said, it’s always smart to verify the debt before making any payments to ensure the account belongs to you and the information is accurate.
How to Remove Evergreen Professional Recoveries From Your Credit Report
Collections accounts can stay on your credit report for up to seven years, making it harder to qualify for loans, credit cards, or rental housing. To remove Evergreen Professional Recoveries from your credit report:
- Dispute Inaccurate Information: If the account isn’t yours or contains incorrect details, file a dispute with the credit bureaus. They must investigate and correct any inaccurate reporting.
- Negotiate a Pay-for-Delete: You may be able to offer payment in exchange for having the account removed from your credit report. Always get any agreement in writing before sending money.
- Work With a Credit Repair Company: Many people choose to hire credit repair professionals who help challenge negative marks from companies like Evergreen Professional Recoveries.
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Should You Contact or Pay Evergreen Professional Recoveries?
Before contacting Evergreen Professional Recoveries or making payments, verify the debt is valid and still legally collectible. Credit reports often contain mistakes, and paying an old or invalid debt can sometimes restart the collection timeline, making the situation worse.
If you’re unsure how to handle it, consider working with a trusted credit repair company to manage the process for you.
Can Evergreen Professional Recoveries Sue You or Garnish Your Wages?
Debt collectors like Evergreen Professional Recoveries can sue you for unpaid debts. If they win the lawsuit and get a court judgment, they may be able to:
- Garnish your wages
- Freeze your bank accounts
- Place a lien on your property
Whether they can take these actions depends on your state’s laws. Lawsuits and wage garnishment are generally last-resort options, as most agencies prefer to settle or set up a payment plan first.
Evergreen Professional Recoveries Contact Information
- Address:
Evergreen Professional Recoveries, Inc.
12100 NE 195th St, Ste 125
Bothell, WA 98011 - Phone:
(206) 223-1676 or (877) 591-7747
Complaints About Evergreen Professional Recoveries
Like many collection agencies, Evergreen Professional Recoveries has consumer complaints filed with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Common complaints include:
- Inaccurate information reported to credit bureaus
- Harassment or repeated phone calls
- Failure to verify debts
If you experience these issues, you can file a complaint:
- CFPB: Submit online at consumerfinance.gov or call (855) 411-2372
- BBB: Visit bbb.org to report concerns
Your Rights When Dealing With Evergreen Professional Recoveries
The Fair Debt Collection Practices Act (FDCPA) and Fair Credit Reporting Act (FCRA) protect your rights when dealing with collection agencies. Your rights include:
- You can dispute inaccurate or incomplete information on your credit report.
- You can request debt validation. The agency must prove the debt is yours and that the amount is accurate within 30 days of your written request.
- They cannot harass, threaten, or use abusive language.
- They must clearly identify themselves as a debt collector when contacting you.
- They cannot threaten you with arrest or jail for unpaid debts.
If your rights are violated, report them to the CFPB or seek legal help.
Remove Evergreen Professional Recoveries From Your Credit Report Today
Tired of dealing with Evergreen Professional Recoveries on your credit report? You don’t have to handle it alone. Credit Saint has helped thousands of people challenge negative items from collection agencies like Evergreen Professional Recoveries.
They even offer a 90-day money-back guarantee if no questionable negative items are removed from your report within the first 90 days. To qualify, you must stay active, submit your ID within five days, make all payments, and avoid adding new negative marks during the process.
Ready to take the next step? Visit their website or call (855) 281-1510 to get started.
Brooke Banks is a personal finance writer specializing in credit, debt, and smart money management. She helps readers understand their rights, build better credit, and make confident financial decisions with clear, practical advice.
