When Everest Receivable Services starts calling, the situation often begins with contact to family members rather than the consumer. Reports frequently involve repeated third-party calls, vague voicemails, or disclosures that go beyond what the law allows. Combined with complaints about unauthorized bank debits and disputed debts, this pattern has contributed to a documented record of consumer issues despite the company maintaining a BBB-accredited A rating.
At Consumer Rights Law Firm PLLC, we have been handling debt collection harassment cases since 2010, and we hold a 5-star rating with the Better Business Bureau. The clients who come to us about Everest Receivable Services describe a recognizable cluster of issues: family contacted multiple times rather than once for location only, accounts pursued without proper validation, and rude or condescending interactions when consumers attempt to set up payment plans. This guide walks through the verified record, the federal court history, and exactly what your rights are under federal and New York state law.
What Is Everest Receivable Services?
Everest Receivable Services, Inc. is a licensed, BBB-accredited consumer receivable asset management company headquartered in Buffalo, New York but the documented BBB complaint record and multiple federal lawsuits filed against the company in the Western District of New York reveal patterns that consumers should understand before engaging.
Everest Receivable Services is a third-party debt collection agency focused exclusively on recovery of delinquent consumer debt. The company operates from two locations in the Buffalo, New York area and identifies itself as a “facilitator in the process of helping consumers regain control over their financial affairs.” The company holds Nevada NMLS registration #926201, multiple Nevada compliance officer licenses, and BBB accreditation with an A rating alongside 21 documented complaints filed against the business through the BBB.
Verified Company Information:
- Full Legal Name: Everest Receivable Services, Inc.
- Common Names: Everest Receivables, Everest Receivable Services
- President: Neil A. Walsh
- Chief Compliance Officer: David Maczka
- Headquarters: 2351 N Forest Rd, Suite 100, Getzville, NY 14068-9902
- Secondary Location: Suite 112, Depew, NY 14043
- Primary Phone: (888) 397-2894
- Website: everest-inc.com
- BBB Accredited: Yes, A-rated
- BBB Complaints: 21 documented complaints filed against the business
- Nevada NMLS ID: 926201
- Nevada Collection Agency NMLS: CAD11721
- Nevada Compliance Manager NMLS: 2397525 (License CM12763) and 1453784 (License CM12932)
- Industry Affiliations: American Collectors Association (ACA International)
- Funding Raised: $350K (1 round)
- Type: Third-Party Debt Collector / Consumer Receivable Asset Management
- Federal Litigation: Multiple cases documented in W.D.N.Y., E.D. Pa., E.D. Mich., N.D. Ill.
â Everest Receivable Services Better Business Bureau Profile
In our practice, an A-rated BBB-accredited collector with 21 formal complaints and a federal litigation record across multiple judicial districts is a meaningful signal. The accreditation reflects the company’s engagement with the BBB process. The complaints and lawsuits reflect what consumers and federal courts have documented about the actual collection conduct. Our attorneys evaluate both data points in every Everest case.
What Type of Debt Does Everest Receivable Services Collect?
Everest Receivable Services collects on delinquent consumer debt across a range of consumer credit products, with documented activity involving both purchased debt portfolios and accounts placed for third-party collection.
According to the company’s own LinkedIn profile and website, Everest is a “licensed, full-service consumer receivable asset management company” language that signals both debt buying and third-party collection in their business model. Their client base, based on documented BBB complaints and consumer reports, includes:
- Home security companies
- Subprime credit card issuers
- Auto loans and consumer finance
- Other consumer credit accounts
The company’s website describes their philosophy as one based on “the belief that most consumers want to voluntarily satisfy their obligations” and emphasizes “respectful” and “compliant” treatment. What clients tell us at Consumer Rights Law Firm PLLC, however, is that the actual call experience often does not match the company’s marketing language particularly when family members are contacted or when consumers attempt to negotiate payment terms that representatives are unwilling to accept.
Why Is Everest Receivable Services Calling You?
Everest Receivable Services is typically calling because a creditor placed a delinquent account with them or they purchased the debt as part of a portfolio. In many cases, consumers are unaware of the account until Everest makes contact. A key pattern seen in complaints is third-party contact. Reports show Everest sometimes reaches out to family members or acquaintances before contacting the consumer directly. Under the law, a collector may contact a third party only once and strictly to confirm location information not to discuss or imply that a debt exists. Exceeding that limit can raise serious compliance issues.
When clients tell us Everest has called multiple family members, called the same family member multiple times, or has discussed the alleged debt with someone other than the consumer or their attorney, those are documented FDCPA violations that form the foundation of the strongest claims against the company.
Is Everest Receivable Services a Scam?
No, Everest Receivable Services is a real, licensed, BBB-accredited business not a scam but legitimacy does not equal compliance, and the documented complaint and federal litigation record reflects real consumer protection issues that warrant attention.
Everest holds active Nevada licensing through the NMLS system, employs a documented Chief Compliance Officer (David Maczka), and operates two physical locations in the Buffalo, New York area. The calls you receive identifying as Everest Receivable Services are genuine.
Verified Everest Receivable Services phone number:
- (888) 397-2894Â Primary toll-free line
- Local 716 area code (Buffalo, New York) numbers may also be used for outbound calls
If you receive a call from any number identifying as Everest Receivable Services, verify by calling (888) 397-2894 directly before sharing personal information. Request written validation of the alleged debt before discussing payment.
What Do BBB Complaints and Consumer Reports Say About Everest Receivable Services?
The 21 BBB complaints documented against Everest Receivable Services reveal three consistent patterns: third-party contact violations, accounts pursued against consumers who do not recognize the debt, and rude or aggressive representative interactions. Everest’s own responses to several of these complaints including disciplinary action against an agent and a written apology, confirm the documented conduct.
â Everest Receivable Services BBB Complaints Page
Has Everest Receivable Services Been Sued?
Yes, Everest Receivable Services has been named as a defendant in multiple federal lawsuits across the Western District of New York (its home district), the Eastern District of Pennsylvania, the Eastern District of Michigan, and the Northern District of Illinois. Each case below is documented through Justia, CourtListener, or PacerMonitor.
Case 1: Raze v. Everest Receivable Services, Inc., et al.
Case No.: 1:2019cv01094 Court: U.S. District Court, Western District of New York Document 40: Decision & Order issued 7/22/2022 Assigned Judge: Hon. Lawrence J. Vilardo Source: Justia Raze v. Everest Receivable Services, Inc. et al, No. 1:2019cv01094 (Document 40, W.D.N.Y. 2022)
In our practice, the Raze ruling is the single most important federal precedent involving Everest because it directly addresses the third-party contact pattern that dominates the BBB complaint record. When a federal judge declines to grant summary judgment on a § 1692b(3) claim against Everest and orders the case to trial, that ruling reflects the strength of the underlying factual claim about how Everest contacts third parties.
Case 2: Mckinley et al v. Everest Receivable Services, Inc., et al.
Case No.: 1:2019cv01289 Court: U.S. District Court, Western District of New York Document 23: Decision & Order issued 2/14/2022 Assigned Judge: William M. Skretny, United States District Judge Source: Justia Mckinley et al v. Everest Receivable Services, Inc. et al, No. 1:2019cv01289 (Document 23, W.D.N.Y. 2022)
Case 3: Tumblin v. Everest Receivable Services, Inc.
Case No.: 5:19-cv-02997 Court: U.S. District Court, Eastern District of Pennsylvania Filed: 07/10/2019 Source: PacerMonitor Tumblin v. Everest Receivable Services, Inc., 5:19-cv-02997 (E.D. Pa.)
The Tumblin case extends Everest’s federal litigation footprint beyond New York into the Eastern District of Pennsylvania. Filed in July 2019, the case demonstrates that consumers in multiple states have brought FDCPA claims against Everest in federal court, the Pennsylvania filing being one example of a multi-state consumer law challenge to Everest’s practices.
What Calling and Collection Tactics Has Everest Receivable Services Used?
The collection tactics documented across the BBB complaint record, federal court filings, and consumer reports paint a consistent picture, centered on third-party contact violations, account ownership disputes, and aggressive payment negotiation tactics.
- Repeated third-party contact (FDCPA §1692b(3))
The most significant pattern reinforced by the Raze ruling is Everest contacting family members, partners, or acquaintances multiple times. The law allows only one contact for location purposes, yet complaints describe four or more contacts with the same third party. Courts have treated this as serious enough to go to trial. - Misrepresenting relationships to gather information
Complaints describe Everest falsely identifying a boyfriend as a âhusbandâ based on supposed public records. This is not just improper contact, it may violate FDCPA §807 for false or misleading representations. - Unauthorized bank account debits (EFTA issues)
The Monica L. v. Everest case includes allegations of unauthorized withdrawals. This triggers the Electronic Fund Transfer Act (EFTA), which allows recovery of damages and attorney fees for unauthorized transactions. - Refusal to negotiate reasonable payment plans
Consumers report Everest demanding large upfront payments (e.g., 20%) and refusing alternatives. While not illegal by itself, aggressive or misleading negotiation tactics may raise concerns under FDCPA §§807 and 808. - Voicemails without proper disclosure
Some complaints describe messages that do not identify the caller as a debt collector. This may violate FDCPA §807(11), which requires clear disclosure in communications. - Improper workplace contact
Reports of calls to workplaces especially after being told such calls are not allowed may violate FDCPA §805(a)(3). - Credit reporting contradictions (FCRA issues)
Some consumers report Everest denying account ownership while a related entry appears on their credit report. This creates potential liability under the FCRA (15 U.S.C. §1681s-2) for inaccurate or unverifiable reporting.
What Are Your Rights Against Everest Receivable Services?
Multiple federal and New York state laws apply when Everest Receivable Services is involved. Our attorneys evaluate each one for every client.
- Fair Debt Collection Practices Act (FDCPA): Everest cannot harass you, call outside 8 a.m. to 9 p.m., or contact third parties more than once or about your debt. It must send written notice, stop collection if you dispute in writing, and provide verification. It must also stop after a written cease request. Misrepresentation or threats are illegal, and you can recover damages and attorney fees.
- Telephone Consumer Protection Act (TCPA): Everest cannot use automated calls or texts without your prior written consent. Each illegal robocall or text can result in $500 to $1,500 in damages. Consent can be revoked at any time, including by replying âSTOPâ or verbally withdrawing permission.
- Electronic Fund Transfer Act (EFTA): Everest cannot withdraw money from your bank account without authorization. Unauthorized or continued withdrawals can be disputed within 60 days. Consumers may recover damages, including up to $1,000 plus attorney fees.
- Fair Credit Reporting Act (FCRA): Everest must ensure all credit reporting is accurate and verifiable. You can dispute incorrect or unverified entries with both Everest and credit bureaus. Inaccurate data must be investigated and corrected or removed.
- New York General Business Law: New York law mirrors federal protections and also prohibits deceptive practices. Consumers may recover enhanced damages, including treble damages for willful violations, with additional NYC-level enforcement rules for collection conduct.
How to Stop Everest Receivable Services From Calling You?
Step 1: Document everything immediately
Record every call, voicemail, and message from Everest Receivable Services. If they contact family members, partners, or other third parties, ask them to save voicemails and note the date, time, and content. Third-party contact is one of the strongest potential FDCPA issues, so having clear records from the beginning is important.
Step 2: Send a cease-and-desist letter
Mail a written request via certified mail to:
Everest Receivable Services, Inc., 2351 N Forest Rd, Suite 100, Getzville, NY 14068-9902.
State that you revoke all consent for phone, text, email, and mail contact and demand they stop immediately. Keep proof of delivery.
Step 3: Send a debt validation request
Request written proof of the debt, including the original creditor, amount breakdown, date of default, payment history, and chain of ownership if the debt was sold. Under FDCPA § 809(b), they must pause collection until they verify the debt if you dispute within 30 days.
Step 4: Stop bank withdrawals if any exist
If Everest is taking money from your account, contact your bank immediately to dispute and revoke authorization. Unauthorized withdrawals may fall under EFTA protections.
Step 5: File complaints with regulators
Report to the FTC, FCC (for robocalls), CFPB, BBB, and the New York Attorney General. These agencies track patterns of improper collection behavior.
Step 6: Get legal help
Contact Consumer Rights Law Firm PLLC at (877) 700-5790 for a free case review. If Everest Receivable Services has contacted family members multiple times, contacted unmarried partners or others not legally considered “family,” made misrepresentations about relationships, called your workplace, deducted funds from your bank account without authorization, or reported inaccurate information to your credit bureau, these are exactly the situations our attorneys handle. We take FDCPA, TCPA, EFTA, and New York state law cases at no upfront cost in most circumstances, because federal and state law require Everest to pay attorney fees when they violate consumer protection statutes.
Consumer Rights Law Firm PLLC
Consumer Rights Law Firm PLLC is a law firm that specializes in helping clients who are facing harassment from debt collectors in any form, including telephone communication. Rather than suffer alone, contact our office to begin the process to stop the Everest Receivable Services harassment. Our office has been assisting consumers since 2010. We have an A+ rating with the Better Business Bureau.
If you are interested in learning more about how to safeguard yourself and prevent harassment from Everest Receivable Services. call us at (877)700-5790 for immediate assistance or visit our website.
Success Stories
- âI was being bombarded with threatening calls from a collection agency, and it started affecting my mental health. A friend recommended Consumer Rights Law Firm PLLC, and Iâm so glad I reached out. Their team was incredibly understanding and explained everything in simple terms. They handled all the legal work, and within a short time, the calls completely stopped. It felt like I got my life back. Iâm truly thankful for their help and highly recommend them to anyone facing debt collection harassment.â
- âAfter months of receiving multiple calls a day from an aggressive debt collector, I finally had enough and contacted Consumer Rights Law Firm PLLC. They took the time to listen to my story, asked the right questions, and wasted no time in getting involved. Not only did the harassment end, but they also filed a claim on my behalf and I was awarded compensation. These folks know what theyâre doing, and they fight for you. Donât hesitate to call them if youâre being mistreated by collectors.â
- âWorking with Consumer Rights Law Firm PLLC was the best decision I made when I was feeling helpless and harassed. I thought I had to tolerate the constant robocalls and rude messages, but they showed me that I had rights. Their legal team acted fast and professionally, updating me throughout the entire process. The collectors backed off immediately once they got involved. I canât thank them enough for giving me peace of mind and holding those collectors accountable.â
Frequently Asked Questions
Is Everest Receivable Services legitimate or a scam?
Everest Receivable Services is a real, BBB-accredited business headquartered in Buffalo, New York. It is not a scam. However, BBB accreditation and an A rating do not exempt the company from documented federal litigation including the Raze case that proceeded to trial on a third-party contact violation claim under § 1692b(3).
Why is Everest Receivable Services calling my family members?
This is the most documented pattern in Everest’s BBB record. Under federal law, they may contact a third party only once and only to confirm location information not to discuss the debt. Multiple BBB complaints document Everest contacting the same family member multiple times, which is a documented violation pattern.
What is the Everest Receivable Services phone number?
Their primary toll-free line is (888) 397-2894. They may also call from local 716 area code (Buffalo, New York) numbers.
Can Everest Receivable Services sue me?
Per consumer protection legal sources, Everest does not typically sue consumers because they often do not own the debt and would need licensed counsel in every state. However, lawsuits are technically possible. If you receive court papers, do not ignore them.
Can Everest Receivable Services garnish my wages?
No, not without first obtaining a court judgment. And because Everest does not typically pursue lawsuits, wage garnishment is not their standard collection tool. Exceptions apply for specific government debts (taxes, certain student loans).
Can Everest Receivable Services take money from my bank account?
Only with your authorization. The Monica L. case established that unauthorized withdrawals are EFTA violations carrying statutory damages up to $1,000 plus actual damages and attorney fees.
What if Everest Receivable Services is calling about a debt that is not mine?
The Raze case demonstrates that federal courts will evaluate FDCPA claims against Everest seriously. Send a written dispute within 30 days of first contact, demand validation, and contact our firm if Everest continues collection without proper verification.
What if Everest Receivable Services has called my family multiple times?
This is the strongest fact pattern for an Everest case. Document each call from the third party’s perspective, date, time, what was said. The Raze case established that § 1692b(3) third-party contact violations against Everest can survive summary judgment and proceed to trial.
Can I sue Everest Receivable Services?
Yes. FDCPA violations carry up to $1,000 per case in statutory damages plus actual damages and attorney fees. TCPA violations for unauthorized automated calls or texts carry $500 to $1,500 per contact. EFTA violations for unauthorized bank deductions carry up to $1,000 plus actual damages. New York’s GBL § 349 provides treble damages for willful violations.
What if Everest sent me a text message I didn’t consent to?
Everest’s own published cell phone / text policy acknowledges they use auto-dialed messages and that consumers can opt out by texting STOP. Each unauthorized automated text under the TCPA carries $500-$1,500 in statutory damages. If you received texts without authorizing them, contact our firm.
