Evergreen Professional Recoveries: Who They Are and Your Rights

Type

Collection agency

Also known as

Evergreen Professional Recoveries, Inc.; EVERGREEN PROFESSIONAL RECOVERIES, INC.

Headquarters

Bothell, WA

Collects

medical bills, government and court debts, financial institution accounts, retail accounts, education accounts

Phone numbers it lists

(800) 241-1305, (206) 223-1676, (877) 591-7747

Website

everprof.com

35 debt collection complaints were sent to the Consumer Financial Protection Bureau about EVERGREEN PROFESSIONAL RECOVERIES, INC. from November 13, 2023 to November 12, 2026. A complaint is a consumer's account, not a finding that the company broke the law. Read the complaints in the CFPB database.

Who Is Evergreen Professional Recoveries?

Evergreen Professional Recoveries, Inc. is a collection agency at 12100 N.E. 195th Street, Suite 125, Bothell, Washington 98011, north of Seattle. Its website says it "was established in 1986" to offer clients "a reliable, efficient, and reputable alternative" to other agencies. The BBB lists a 1988 incorporation date and names Monica Severtsen as president.

The site lists (800) 241-1305, (206) 223-1676 and (877) 591-7747, and it offers online payment. It says it belongs to the American Collectors Association. We did not find a CFPB enforcement action against Evergreen Professional Recoveries.

Why Evergreen Professional Recoveries May Be Contacting You

Evergreen's services page lists debt collection for these client types:

• government, both court and non-court
• medical
• financial institutions
• retail
• education

It also offers pre-collection notices and medical billing. Most complaints naming it in the CFPB database come from Washington, and many are filed as medical debt. A notice from Evergreen most likely concerns a Pacific Northwest clinic or hospital bill, an unpaid court or government charge, or a local retail account.

One feature sets Evergreen apart from many agencies. Its legal services page says that when an account is unpaid and an asset has been found, it requests "a legal assignment" from its client, which "allows us to pursue legal action against the debtor in our name." It says it uses retained collection attorneys near the debtor. Evergreen also handles accounts that already have judgments, including judgment renewals and bankruptcy monitoring.

How to Check a Debt Evergreen Professional Recoveries Says You Owe

Because Evergreen may sue in its own name as assignee, confirm the details early:

• Get the validation notice listing the original creditor, the service or account dates and an itemized balance (15 U.S.C. § 1692g; 12 C.F.R. § 1006.34).
• Dispute in writing within the validation period if any of it looks wrong. Collection must pause until Evergreen verifies the debt.
• For a medical bill, ask the provider for an itemized statement and check your insurer's explanation of benefits.
• For a court or government charge, check with the issuing agency whether the amount, including any added collection fee, matches its records.
• If you're sued, ask for the written assignment that gives Evergreen the right to sue. Also check the age of the debt: Texas allows four years in most cases (Tex. Civ. Prac. & Rem. Code § 16.004), and debt buyers can't sue on time-barred consumer debt (Tex. Fin. Code § 392.307). Washington and other states set their own periods.

What Evergreen Professional Recoveries Can and Can't Do

Evergreen collects consumer debts owed to its clients, so it is a "debt collector" under 15 U.S.C. § 1692a(6). That status doesn't change when it takes an assignment of an account for collection. For you, that means:

• It must sue in the county where you live or where you signed the contract (15 U.S.C. § 1692i). See where you can be sued.
• It can't add fees or interest your agreement or the law doesn't authorize (15 U.S.C. § 1692f(1)).
• It can't report a medical debt without first contacting you (12 C.F.R. § 1006.30(a)).
• It can't call you more than seven times in seven days about a debt (12 C.F.R. § 1006.14(b)(2)). See call limits.

We Sue Debt Collectors That Break the FDCPA

Texas Debt Law files Fair Debt Collection Practices Act lawsuits against debt collectors in federal court for consumers in Texas, California, Illinois, Georgia and Colorado. If Evergreen Professional Recoveries or anyone collecting for it harassed you, misstated what you owe, threatened action it could not take, or told others about your debt, you may have a claim. A court can order a collector that violated the FDCPA to pay your actual damages, up to $1,000 in additional statutory damages, and your attorney's fees and costs (15 U.S.C. § 1692k(a)). An FDCPA claim generally must be filed within one year of the violation (§ 1692k(d)), so keep your letters, call logs, voicemails and screenshots, and talk to us early. Texas residents may also have claims under the Texas Debt Collection Act. Learn more from our FDCPA attorneys.

Free FDCPA Case Review(214) 851-2250

Or start your free case evaluation online. No lawyer can promise a result; every claim depends on its facts and proof.

Sources

• Evergreen Professional Recoveries: Home
• Evergreen Professional Recoveries: Overview
• Evergreen Professional Recoveries: Services
• Evergreen Professional Recoveries: Legal services
• BBB business profile: Evergreen Professional Recoveries Inc (business facts only)
• CFPB consumer complaint database: Evergreen Professional Recoveries, Inc.
• CFPB enforcement actions (searched by name)
• CFPB Consumer Complaint Database: EVERGREEN PROFESSIONAL RECOVERIES, INC., debt collection

This profile is general information compiled from public sources, not legal advice, and it does not state or imply that Evergreen Professional Recoveries has violated any law. Company details change; tell us if something here is out of date.