509-654-7110

What Company Is Calling Me From 509-654-7110? Are They A Scam And Why Are They Calling Me?

Evergreen Financial Services is the company calling from the phone number 509-654-7110. They may be contacting you to collect a debt you may have forgotten to pay, which could impact your credit score if it’s on your credit report. Although they may not sue you, their presence on your report can lower your chances of getting approved for credit with favorable interest rates. If you believe you don’t have outstanding debts, you don’t need to pay them. To stop their calls, consider reaching out to a company like a credit repair company, which can help review your credit report and provide guidance on your options.

How Can I Block Or Stop Calls From 509-654-7110?

To stop calls from 509-654-7110, which is likely Evergreen Financial Services, follow these steps. First, let unknown calls go to voicemail and don’t answer them directly. Contact your phone carrier to block the number permanently, and use call blocking apps like Nomorobo or Hiya to block and filter the number at the network level.

Next, identify the collector as Evergreen Financial Services and send a cease and desist letter via certified mail, demanding no further calls. Seek assistance from a non-profit credit counselor to negotiate debt resolution and consult a consumer protection attorney regarding your rights and potential lawsuits if the collector violates regulations.

Blocking calls doesn’t eliminate any legitimate debts, but taking action can stop harassment while addressing any outstanding debts. If you don’t have outstanding debts, you don’t need to pay Evergreen Financial Services. To stop their calls and get help reviewing your credit report, consider contacting a credit repair company.

Is 509-654-7110 Violating Fair Debt Collection Practices Act? What Are My Rights As A Consumer?

The Fair Debt Collection Practices Act (FDCPA) protects consumers from unfair debt collection practices, including calls from collectors like those at 509-654-7110. If you’re being harassed or feel your rights are being violated, take the following steps:

1. Document all calls, including date, time, frequency, phone number, and details. This creates a record of potential harassment or FDCPA violations.
2. Note if collectors call outside allowed hours of 8 am to 9 pm in your time zone. Exceptions apply if you’ve consented to other hours.
3. Track the frequency of calls, as excessive calling may be a violation.
4. Log any abusive, threatening, or obscene language used during calls.

To assert your rights, you can:

1. Revoke any prior consent given to call outside normal hours in writing.
2. Formally request collectors to cease contact at your workplace if prohibited by your employer.
3. Send a cease and desist letter via certified mail demanding no further contact by phone.
4. Verbally request they stop calling during any conversation.

If you believe violations have occurred, report them to the Consumer Financial Protection Bureau to open an investigation. Consult with a consumer protection attorney regarding your rights and options, which may include suing for damages. Contact your state Attorney General’s office for guidance on FDCPA violations. Additionally, ask an experienced credit counselor for advice on addressing the debt without incurring further collection calls.

Adhering to the FDCPA is required for any collector contacting you. Keep detailed records and assert your rights to prevent further harassment from debt collectors.

If 509-654-7110 Is A Debt Collector, How Do I Validate This Debt And What Are My Options?

To validate the debt and understand your options, follow these steps:

1. Request written validation: Send a debt validation letter to the collector (Evergreen Financial Services) by mail. They are legally obligated to provide this under the Fair Debt Collection Practices Act (FDCPA).

2. Review the validation: Carefully go through the debt details, such as your personal information, creditor name, account number, and amount owed. Dispute any incorrect or unfamiliar information in writing and request its removal from your credit report.

3. Negotiate a settlement or payment plan: If the debt is valid, consider negotiating a reasonable lump-sum settlement or a payment installment plan. Offer to pay 30-50% of the balance if it’s affordable, and request deletion from your credit report in exchange.

4. Exercise your rights under the FDCPA: If the collector violates any regulations during the collection process, assert your rights to protect yourself.

5. Seek professional help: Consult a non-profit credit counseling agency for guidance on debt resolution or contact an attorney to explore bankruptcy or legal action against the collector.

6. Keep records: Maintain detailed records of all correspondence and calls, as they may be useful for future complaints.

7. Revoke prior permissions: If the collector has contacted you outside FDCPA guidelines, revoke any prior verbal or written permissions given.

In conclusion, never ignore a potential debt collector. Confirm the debt’s validity, exercise your consumer rights, and seek professional help if necessary to reach a fair resolution.

Can 509-654-7110 Sue Me Or Garnish My Wages If They'Re A Debt Collector? Should I Just Settle?

If you receive a call from a debt collector like Evergreen Financial Services at 509-654-7110, they may have the authority to sue you if the debt is valid. If they obtain a court judgment, they could potentially garnish your wages or bank accounts. To avoid legal action, consider negotiating affordable payment plans, asserting your inability to pay, seeking guidance from a credit counselor, or hiring an attorney. It’s crucial to document all interactions with the collector and explore all available options, including bankruptcy if debts become overwhelming. Before settling with the collector, ensure the payment plan is manageable, have any agreements in writing, and be aware that they can still pursue legal action if you default on the payments. Always seek assistance to understand your rights and options in this situation.

If 509-654-7110 Is A Collection Company, How Can I Remove It From My Credit Report?

If you suspect that 509-654-7110 is a debt collection company, follow these steps to potentially remove it from your credit report:

1. First, verify if the debt is legitimate by requesting written confirmation from the collection agency.
2. If any information is incorrect, dispute the debt in writing and demand they remove the collection tradeline from your credit file.
3. If the debt is valid, consider negotiating a pay-for-delete agreement to settle the debt in exchange for removal.
4. Alternatively, offer a good faith partial settlement payment and request deletion as a gesture of goodwill.
5. Hire a credit repair service to dispute the debt on your behalf or wait for the 7-year credit reporting time limit for the collection to fall off automatically.
6. File a complaint with the Consumer Financial Protection Bureau if the collector violates laws and refuses to remove inaccurate information.
7. Consult a consumer law attorney to review if the collector broke laws enabling you to sue for removal and damages.
8. Keep detailed written records showing your efforts to resolve the disputed collection account.

By proactively validating debts, negotiating with collectors, and asserting your rights, you can potentially remove collections from your credit report through persistence and proper documentation.

What Feedback And Comments Do People Leave About 509-654-7110?

People who have received calls from 509-654-7110 often report that Evergreen Financial Services, a debt collector, is on the other end of the line. Many have expressed concerns about the debt being collected, as it could potentially damage their credit score. To tackle this issue, working with a credit repair company like Credit Glory can help challenge the debt’s accuracy, timeliness, and validity, possibly removing Evergreen Financial Services from their credit report without requiring any debt payment. It is crucial to be aware of any inaccurate entries on the credit report related to this phone number and to know one’s rights under the Fair Debt Collection Practices Act (FDCPA) when interacting with debt collectors. In some cases, seeking legal assistance may be the best option to resolve any issues connected to 509-654-7110.