Who is calling me from 509-654-7110?
The 509-654-7110 number is registered to Evergreen Financial Services Inc (EFS), which means they are calling you to collect a debt.
What kind of debt?
That’s the part where you have to be careful. EFS is a third-party debt collection agency. They don’t originate debts; they collect debts on behalf of other creditors, usually after the original creditor has failed to secure payment on their own and handed the account over to a collection agency.
Why would EFS be calling you about a debt? They have been assigned to collect that debt, which means someone believes you owe them money. The operative phrase here is “believes you owe them money.” It doesn’t necessarily mean you actually owe the debt, and it definitely doesn’t mean EFS has the paperwork to prove it.
Knowing who is calling you from 509-654-7110 is the first step to making the calls stop.
Evergreen Financial Services Inc (EFS) Overview
Company Name: Evergreen Financial Services Inc (EFS)
Type of Company: Third-party debt collection agency
Contact Information: Address: 1214 N 16th Ave, Yakima, WA 98902
Other locations: Richland, WA; Olympia, WA
Founded: 1970; Incorporated: 1978
Specializes in: Medical debt, utilities, government receivables, retail consumer debt
Company size: 10-38 employees; estimated annual revenue: $2.5-$8 million
Better Business Bureau (BBB) rating: A+ (accredited since 1981); Consumer review average: 1.8 out of 5 stars
Phone numbers: (509) 654-7110, (509) 452-6574, (800) 780-6574, (800) 280-5879
Website: efscollects.com
You’re Not Alone
You’re not the only one getting calls from 509-654-7110. In fact, according to federal court records, there have been approximately 45 lawsuits filed against Evergreen Financial Services. The majority of those lawsuits allege violations of the Fair Debt Collection Practices Act (FDCPA).
In the case of Ambrose v. Evergreen Financial Services Inc, the plaintiff claimed that EFS left voicemails that did not identify the company or state the purpose of the call. This is a tactic consumers are still reporting today.
Despite their A+ accreditation, EFS averages just 1.8 out of 5 stars on the BBB.
Why Is Evergreen Financial Services Inc Calling Me?
The Debt in Question
EFS is a third-party debt collector, which means they didn’t originate the debt. Instead, they were hired by the original creditor (maybe a hospital, utility company, or municipal court) to collect the debt after the original creditor was unable to get you to pay up. In some cases, the original creditor may have already written off the debt as a loss before passing it along to EFS.
If the original creditor has already written off the debt as a loss, that means they’ve already accounted for the loss. So, what EFS is trying to collect is merely a recovery on a debt the original creditor has already given up on. That knowledge shifts the power dynamic in your favor in ways you might not realize.
It’s possible they have the wrong person
One thing that keeps coming up when consumers report calls from 509-654-7110 is that EFS often calls the wrong person.
On the site ShouldIAnswer, one consumer named Ana said EFS called her to confirm whether one of her neighbors lived next door…at an address that wasn’t even hers. Another consumer, Laurie, said EFS called her to ask if she was related to someone she’d never heard of.
Both of these consumers were the recipients of skip-tracing calls. Skip tracing is a technique used by collection agencies to track down people who owe debts. Using reverse directories, they contact anyone associated with the person they’re trying to find to see if they can get a lead on the debtor’s contact information.
If you’re getting calls from 509-654-7110 and you don’t have any outstanding debts, there’s a chance you’ve been caught up in a skip-tracing dragnet by mistake.
The Experience of Answering the Call
Robocalls, Dead Air, and Failure to Identify
What makes calls from 509-654-7110 so problematic is what happens when you answer the phone. According to data from RoboKiller, there have been 8,768 calls from this number and 173 user reports. This confirms that EFS is using automated dialing to make calls.
In December 2025, one consumer reported that the number “just leaves/repeats the same sentence over again” without an actual person on the other end of the line.
Another consumer in West Richland reported on 800notes that when she answered calls from the number, there was “no person on the line, just repeating message that said ‘This is not a sales call, stay on the line while someone answers.’”
Nomorobo has been blocking this number as a robocall since December 2017.
Under the FDCPA, debt collectors are required to identify themselves and state the purpose of their call. An automated loop that doesn’t give you any actual information doesn’t meet that obligation.
Dealing with a Live Agent
When consumers have connected with a live representative from EFS, they describe the experience as anywhere from unhelpful to outright hostile.
In March 2025, Angel S. told the BBB that when she spoke with an EFS agent, the representative “could not tell me anything about the company and insisted I identify myself.” When Angel pointed out that EFS was required to identify the company before she was required to identify herself, the agent flatly refused to do so.
In September 2024, Martin V. reported that when he asked an EFS agent for an itemized bill, he was told it had already been sent to his estranged wife a year ago. When he requested that another copy be sent to him, the agent “with her rude tone told me NO.” Refusing to verify a debt when requested is potentially a violation of federal law.
What’s Going On Here?
They’re Hoping You’ll Just Pay to Make It All Go Away
Most consumers who receive repeated calls from debt collectors end up paying the debt…even if they’re not entirely sure it’s legitimate. That’s what EFS is counting on. The barrage of calls, the vague voicemails, and the refusal to provide clear information are all designed to make paying the debt seem like the path of least resistance.
If you pay a collection account without verifying it first, that doesn’t necessarily mean it will be removed from your credit report. In fact, paying a collection account can sometimes even reset the clock, making the account appear newer than it is and restarting the statute of limitations. So, verifying before you pay is a much better strategy.
You’ve Already Been Hurt on Your Credit Report
If Evergreen Financial Services has already placed a collection account on your credit report, the damage has already been done. A single collection account can negatively affect your credit score, regardless of the amount. That negative affect is already reflected on your credit report, whether you pay the debt or not, which is why paying a debt collector without addressing the credit report issue almost never has the desired effect.
In other words, your goal shouldn’t be just to get the calls to stop. It should be to dispute the accuracy of the debt information on your credit report because that’s where the lasting financial damage is happening.
Red Flags
BBB Complaints Aren’t Just Warnings
A history of BBB complaints about a debt collection agency isn’t just a warning to other consumers about potential pitfalls. It’s also documentation of systemic behavior that can be used to support a credit report dispute. When a number of consumers experience the same problems, that demonstrates that the issues aren’t isolated.
In a complaint filed with the BBB in February 2025, one consumer said that after she told EFS she couldn’t pay a debt at that time, the agency called her father and an unrelated third party about the debt. EFS acknowledged that it had initiated skip tracing after the consumer’s “refusal to pay.” That kind of documented behavior can strengthen a dispute.
Missing Documentation Works in Your Favor
Evergreen Financial Services specializes heavily in collecting medical debt, and one of the biggest problems with medical debt is that documentation is frequently incomplete.
When a hospital or other medical provider assigns a debt to a third-party collection agency, the paperwork doesn’t always follow. Sometimes there’s no itemized statement for the charges. Sometimes the patient’s address is outdated. Sometimes the chain of assignment is broken.
Under the Fair Credit Reporting Act (FCRA), everything on your credit report has to be verifiable. So if EFS can’t provide adequate documentation when the credit reporting agency investigates your dispute, the agency is required to delete the item from your report. That’s the law working the way it’s supposed to in order to protect consumers from invalid information.
Now What Do I Do?
Your Step-by-Step Guide
The best way to respond to unwanted collection calls isn’t to call the collector back. Don’t confirm or deny that you owe a debt over the phone, and don’t give out personal or financial information to anyone who calls you from this number. Anything you say on a call that’s being recorded can be used as evidence to validate a debt.
Instead, take the fight to your credit report. Start by pulling copies of your credit reports from all three credit bureaus (Experian, TransUnion, and Equifax). Look for any account associated with Evergreen Financial Services or EFS, and make a copy of anything you find. Take note of the balance, date, and account number for the item.
Dispute the Item on Your Credit Report
Filing a dispute with the credit bureaus forces EFS to verify the debt with documentation. If EFS can’t prove that the debt belongs to you, that the balance is accurate, and that the agency is authorized to collect it, then the credit bureau has to remove the item from your report.
In this case, the history of complaints against EFS actually works in your favor. An agency that has a demonstrated history of refusing verification, calling the wrong consumers, and failing to identify itself has already shown the kinds of process failures that make disputes more likely to succeed. You’re not just speculating that something might be wrong.
Take Matters into Your Own Hands
It’s Time to Stop Reacting and Start Disputing
Unsolicited calls from 509-654-7110 are meant to make you feel like you don’t have any power, but nothing could be further from the truth. Evergreen Financial Services Inc is a small regional collection agency that’s been the subject of approximately 45 federal lawsuits and averages a 1.8 out of 5 star consumer review rating on the BBB.
You don’t owe them a phone call. And you certainly don’t owe them a payment on a debt you haven’t verified. What you do have is the right to dispute any unverified account on your credit report and a framework of federal law that requires the credit bureaus to remove any items they can’t verify.
At FightCollections.com, we specialize in helping consumers battle collection accounts through the credit report dispute process. If Evergreen Financial Services has placed an account on your credit report, contact us for a free consultation to discuss your options.
