Consumer complaint received 2025-05-11 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Evergreen Financial Services Inc.
State: WA

Complaint narrative:
XXXX XXXX XXXX ( XXXX ) obtained a utility bill that was not ever properly delivered to us from the original creditor. We were notified via mail that the debt had been sent to XXXX XXXX XXXX via mail. We disputed the debt and requested per the FDCPA that they do not contact us unless they are validating the debt and their ability to collect on it. Nothing after that was ever sent to us, they did not call, nothing. Then a process server served our XXXX XXXX XXXX daughter while we were not home with a summons and complaint from XXXX for the utility bill plus attorney 's fees. Upon receipt of that paperwork we called the phone number listed as the attorney 's phone number to speak with him about the debt. A female representative answered the phone and disclosed that it was the " legal department '' but would not disclose if she was an attorney or not. When she was told that we were not agreeing to anything over the phone with her, she stated that they had possession of medical bills, and if we didn't make a payment arrangement with them, that " this is what will happen with those, too ''. However, the medical bills were not why we called to speak with the attorney. She was also informed that under the FDCPA, we had rights that they had to respect, her response was that " those rules don't apply to us ''. She was also informed that we would see them in court to expose her fraud. She responded back with " You can try, but you won't win. '' This was interpreted as a verbal threat. We responded to the summons and complaint and nothing ever was sent back to us. We paid the utility bill. 
XXXX attempted to get a XXXX XXXX twice through the XXXX XXXX XXXX Court, however, with substantial evidence and argument, we defeated both of the attempts. After the last pre-trial hearing, we offered to settle outside court and the attorney had this same representative call us to discuss a settlement option. She would not hear anything that we had to offer, but continued to ask for attorney fees that their office is not entitled to as we do not have any contract with them, and that is what they are suing us for. She stated, " so you're not willing to pay anything? '' and when we responded with " no '', she immediately tried to end the phone call. She was informed that if we go to jury trial, we are going to be asking for the full {$8500.00} in damages that we have occurred through this process. 

A few weeks later, we received a stipulated judgment in the mail from XXXX - stating that the court had indicated that they were entitled to statutory fees already, and that if we went to XXXX XXXX, then we would be responsible to pay actual attorney fees in an amount that could easily exceed {$5000.00} if they prevail. Again, threatening us with high amounts of attorney fees if we didn't settle to what she wanted us to settle for. 

We went to the last pre-trial hearing, and XXXX or their attorney did not show up. XXXX had another attorney call us during the time the trial was actually being held to settle with us. We asked for dismissal of their complaint and the case in general because they did not show up and they have engaged in criminal attempts to collect debt by extortion and by coercion. The judge had us continue to another hearing date in order to provide " due process '' of the legal process. Even though XXXX has not followed due process, has not provided any evidence requested by XXXX through legal motions or judges orders. XXXX contacted the court after the hearing to schedule another jury trial date, even though we had not notice of the scheduling and not given the right to participate as defendants.

Company response to consumer: Closed with explanation