Evergreen Financial Services Inc or EFS is a third-party collection agency based in Washington state. EFS has received consumer complaints alleging violations of the Fair Debt Collection Practices Act (FDCPA), including improper contact or sharing of information and threatening to take actions that cannot legally be taken. If you have been contacted by EFS, make sure you understand your rights before taking action.
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According to the BBB, Evergreen Financial Services, Inc. is a legitimate collection agency, founded and incorporated in 1970. The BBB established a profile page for EFS in 1981. EFS is listed as a collection agency and credit and financial services corporation. Buzzfile estimates EFS’s annual revenue at $2.2 million and the size of its headquarters staff at 38 employees, with an estimated 44 total employees across all locations.
According to its website,Evergreen Financial Services “is a full service debt collection agency specializing in ethical and professional collections.” EFS’s mission “is to exceed…expectations by consistently improving…quality of service while maintaining the integrity of the collection profession and the dignity of the consumer.”
Evergreen Financial Services collects delinquent debts for many types of businesses, including medical and healthcare providers; utility companies; government agencies at the municipal, state, or federal level; consumer retail lenders; and small claims court judgements.
As a full-service collection agency, Evergreen Financial Services offers commission-free collection programs; detailed client reports and online client access; credit reporting; bankruptcy claim filing and tracking; scripting services; skip tracing; customized programs; and training and consulting.
Evergreen Financial Services “collection professionals receive intensive training and attend continuing education classes through ACA International.” They also employ “an in-house attorney and Certified Compliance Officer to ensure complete compliance in all federal, state, and city laws and regulations.” EFS “works under a comprehensive…management system in full compliance with the CFPB (Consumer Financial Protection Bureau).” However, the EFS website does not provide a consumer resource page with links to laws and enforcement agencies.
The BBB has closed 12 complaints against Evergreen Financial Services in the past three years, with 3 complaints closed in the past 12 months. The majority of complaints allege problems with billing and collections. Since July 2015, the Consumer Financial Protection Bureau (CFPB) has closed 8 complaints against EFS. Justia lists at least 5 cases of civil litigation involving EFS.
Evergreen Financial Services, Inc.
1214 N. 16th Ave.
Yakima, WA 98902-1348
Telephone: (509) 452-6574
It is illegal for a debt collector to threaten to sue you or garnish your wages. It is also unlikely EFS would sue you for a debt you may not owe or they cannot validate. However, debt collection agencies are known to have summoned debtors to court and garnish wages after a default judgement. Contacting an attorney BEFORE this could possibly happen would be a smart move. We’ve helped thousands of consumers fight back against unscrupulous debt collection harassers. Find out if we can help you too today!
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Absolutely. Here are some Sample Cases
Complaints against Evergreen Financial Services commonly cite problems resulting from disputes about the accuracy of billing documentation; debt verification; and miscommunication about litigated accounts. In October 2016, a complainant indicated that she had been sued by EFS for outstanding medical bills. She called EFS the same day she received the paperwork, made payment arrangements, and was informed that the specified amount was all that she owed. She did not receive “the judgment paperwork… they said they would be sending” until two weeks after the day of the phone call. She indicated that despite the seriousness of legal paperwork, she had to call Evergreen Financial Services and remind them to send it, which she viewed as indicative of their unprofessionalism. She also made a payment on the day of the initial call and was allegedly told she would receive monthly statements, but she indicated EFS had not sent anything. She called Evergreen Financial Services again to inform them of a change in her employment status, and EFS allegedly told her she had a balance owing that was $500 in excess of the original balance they had quoted during the initial phone call two months previously. When she asked them for an accounting of the additional charges, they told her it was the result of additional outstanding balances for other accounts; however, the complainant indicated she had not received any statements or notifications of any additional accounts or balances, and that the amount did not seem to reflect accurately what the complainant believed she owed in medical bills. The complainant also indicated that the representative she spoke with “was extremely rude… and when the complainant asked to be sent an itemized statement, she was told that was not possible.” The complainant expressed her unwillingness to pay an additional $500 in undocumented bills, especially when they had not been verified; and her concern that the miscommunication about the lawsuit was preceded by harassing calls to her father that may have violated the FDCPA and HIPAA legislation.
The Fair Debt Collections Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA) are enforced by the Federal Trade Commission (FTC) and the Consumer Financial Protection Bureau (CFPB). The FDCPA regulates the behavior of collection agencies by prohibiting actions such as the use of abusive or threatening language; harassment; or the use of false or misleading information to collect a debt.
The FCRA regulates how collection agencies and creditors report delinquent debts to credit reporting agencies. Additional consumer protection laws include the Telephone Consumer Protection Act (TCPA) and the Consumer Financial Protection Act (CFPA). The complaint above illustrates how these laws can be extremely effective tools to hold accountable collection agencies who fail to adhere to their provisions.
These laws also provide individuals with a means to seek monetary damages in court. For example, the FDCPA allows consumers who have been violated to recover damages of up to $1,000, plus attorney fees and court costs.
Seek legal assistance to find the relief you may be entitled to if you are having difficulty resolving disputes with a debt collection agency.
Your debt harassment checklist:
- You are receiving multiple calls per week from third party collection agencies
- You are receiving early morning or late night calls from debt collectors
- You are receiving calls at work from a debt collection agency
- Debt collectors are calling your friends, neighbors, or coworkers
- Collectors are threatening you with violence, lawsuit, or arrest
- A debt collector attempts to collect more than you owe
- You are being threatened with negative credit reporting
- A debt collector attempts to intimidate you
- Criminal accusations are being made towards you
- Use of obscene language during an attempt to collect
- Automated robocalls are being made to your phone in an attempt to collect
If you’ve been harassed by debt collectors and even one of these has happened to you, we can help. We will fight for your rights.
We can make them STOP!✋
The Lemberg Law legal team is committed to holding debt collectors accountable, so complete our form for a FREE case evaluation, or call 844-685-9200 NOW.
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