Quick Answer: Genesis Credit Management, LLC (also known as Columbia Debt Recovery, LLC) is a debt collection agency based in Everett, Washington. Founded in 2008, they collect debts across multiple industries. Their phone number is (866) 863-9194. The BBB has received 24+ complaints (not accredited), and the CFPB has received nearly 100 complaints. A class action has been filed alleging FCRA violations for reporting debts consumers didn’t owe, including identity theft victims.
If Genesis Credit Management is in your call log: A call from a debt collector is a business communication, not a crisis. Genesis Credit Management collects debts on behalf of other companies. You have specific federal rights under the FDCPA. This page gives you the information to respond from a position of knowledge, not panic.
| Company Detail | Information |
|---|---|
| Company Name | Genesis Credit Management, LLC (d/b/a Columbia Debt Recovery, LLC) |
| Type | Third-party debt collector |
| Headquartered | Everett, Washington (906 SE Everett Mall Way) |
| Also Known As | Columbia Debt Recovery, LLC |
| Founded | 2008 |
| Primary Creditors | Healthcare providers, financial services, utilities |
| Primary Phone | (866) 863-9194 |
| BBB Rating | Not BBB accredited; 24+ complaints |
| CFPB Complaints | Nearly 100 complaints since 2015 |
| Federal Court Cases | FCRA class action over reporting debts consumers didn’t owe |
| Governed By | Fair Debt Collection Practices Act (FDCPA) |
Genesis Credit Management (also operating as Columbia Debt Recovery) is an Everett, Washington debt collector with nearly 100 CFPB complaints — and a class action alleging they reported debts consumers didn’t owe.
Founded in 2008, Genesis Credit Management operates under two names: Genesis Credit Management, LLC and Columbia Debt Recovery, LLC. This dual identity can confuse consumers who may not realize they’re dealing with the same company. Their complaint profile includes allegations of attempting to collect debts not owed, harassing consumers with multiple daily calls, and reporting false information to credit bureaus — including debts belonging to identity theft victims.
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Who Is Genesis Credit Management?
Genesis Credit Management, LLC is a third-party debt collector headquartered in Everett, Washington. Also operating under the name Columbia Debt Recovery, LLC, they have been in business since 2008. They collect debts for healthcare providers, financial services companies, and utilities. Genesis Credit Management doesn’t buy your debt — they’re hired by the original creditor to collect the unpaid balance. The dual business name (Genesis Credit Management / Columbia Debt Recovery) can cause confusion, as you may receive communications under either name for the same debt.
Genesis Credit Management Phone Numbers
| Phone Number | Reported Use | Consumer Reports |
|---|---|---|
| (866) 863-9194 | Main collections line | Source: BBB profile |
Why Is Genesis Credit Management Calling You?
- A medical or healthcare debt — Genesis Credit Management works with healthcare providers. Your hospital or medical facility may have placed your unpaid balance with them.
- A utility or financial debt — unpaid utility bills or financial account balances can be sent to Genesis for collection.
- A debt that isn’t yours — a class action alleges Genesis reported debts belonging to identity theft victims. If the debt isn’t yours, dispute it immediately in writing.
- A call from “Columbia Debt Recovery” — this is the same company as Genesis Credit Management. Don’t be confused by the different name.
A call from a debt collector is not proof you owe anything. It’s an opening position. Treat it like one.
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What Consumer Complaints Reveal About Genesis Credit Management
The CFPB has received nearly 100 complaints about Genesis Credit Management since 2015. The BBB has 24+ complaints, and the company is not BBB accredited. The most common issues:
Search Genesis Credit Management complaints in the CFPB database →
Read Consumer Complaint Themes (from CFPB and BBB filings)
“Genesis Credit Management is reporting a debt on my credit report that isn’t mine. I’m an identity theft victim and have filed a police report, but they refuse to remove the collection from my credit reports.”
“Genesis Credit Management is trying to collect a debt that was discharged in my bankruptcy. I’ve provided the bankruptcy discharge paperwork, but they continue calling and reporting it as an active collection.”
Sources: CFPB Consumer Complaint Database and Better Business Bureau. Complaint themes are representative of filed reports. Personal information redacted.
Genesis Credit Management in Federal Court
FCRA Class Action (Carrizales v. Columbia Debt Recovery, LLC d/b/a Genesis Credit Management): A class action lawsuit alleges that Genesis Credit Management (operating as Columbia Debt Recovery) violated the Fair Credit Reporting Act by reporting debts to Trans Union and Experian that consumers didn’t owe. One plaintiff was an identity theft victim whose fraud claims were ignored.
What this means for you: If Genesis Credit Management is reporting a debt on your credit report that isn’t yours — whether through identity theft, bankruptcy discharge, or simple error — their complaint pattern suggests they may not remove it easily. File disputes with all three credit bureaus in writing and keep copies of everything.
What To Do If Genesis Credit Management Is Calling You
- Know you may see two names. Genesis Credit Management and Columbia Debt Recovery are the same company. Don’t treat contacts from each name as separate debts.
- Request debt validation in writing within 30 days. Given their complaint pattern around collecting debts not owed, written validation is critical. They must provide the original creditor’s name, account details, and amount owed.
- Check your credit reports. Genesis’s top complaint is false credit reporting. Pull your free reports from annualcreditreport.com and dispute any inaccurate entries directly with the credit bureaus in writing.
- If the debt was discharged in bankruptcy, send Genesis a copy of your bankruptcy discharge order by certified mail. Collecting a discharged debt violates federal law.
- Check your state’s statute of limitations. Check your state here.
- Send a cease-and-desist by certified mail to Genesis Credit Management, LLC, 906 SE Everett Mall Way, Everett, WA 98208.
- Document everything. If they violate the FDCPA, each violation can be worth up to $1,000 plus attorney fees in federal court.
For the complete guide: Your Rights When a Debt Collector Calls.
Key Takeaways
- Genesis Credit Management (also Columbia Debt Recovery) is based in Everett, WA, founded 2008
- Uses two business names — don’t confuse contacts from each as separate debts
- Phone: (866) 863-9194
- Not BBB accredited; 24+ BBB complaints; nearly 100 CFPB complaints
- FCRA class action over reporting debts consumers didn’t owe
- Top complaint: false credit reporting, including identity theft victim debts
- Check your credit reports and dispute inaccuracies directly with the bureaus
Free Tool — Statute of Limitations Checker: Dealing with old debt? The free Statute of Limitations Checker tells you if the collection clock has expired in your state — including the zombie debt and clock-restarting traps collectors use. Check My Status →
Frequently Asked Questions About Genesis Credit Management
Who is Genesis Credit Management?
Genesis Credit Management, LLC is a third-party debt collector headquartered in Everett, Washington. Also known as Columbia Debt Recovery, LLC, they have been in business since 2008 and collect debts for healthcare providers, financial services companies, and utilities.
Is Genesis Credit Management a scam?
Genesis Credit Management is a real debt collection agency, not a scam. However, they are not BBB accredited, have nearly 100 CFPB complaints, and face a class action over false credit reporting. Always verify any debt in writing before paying.
Are Genesis Credit Management and Columbia Debt Recovery the same company?
Yes. Columbia Debt Recovery, LLC is the same company as Genesis Credit Management, LLC. They operate under both names from the same Everett, Washington location.
How do I stop Genesis Credit Management from calling?
Send a written cease-and-desist letter by certified mail to Genesis Credit Management, LLC, 906 SE Everett Mall Way, Everett, WA 98208. Under the FDCPA, they must stop calling after receiving your request.
Should I pay Genesis Credit Management?
Do not pay anything until you have verified the debt in writing. Genesis’s top complaint is collecting debts consumers don’t owe, including identity theft debts and debts discharged in bankruptcy. Confirm the debt is valid and current before making any payment. Get any agreement in writing.
Know Your Rights: If a debt collector is contacting you, you have legal protections. See the complete list of FDCPA violations collectors commit most often. Use the free Debt Validation Letter Generator to demand proof of the debt, or check this collector’s complaint history with the Scam-O-Meter.
Dealing With Debt? Before you pay a collector, understand all your debt relief options — including ones the collector won’t tell you about. If the debt feels unmanageable, take the 2-minute bankruptcy quiz to see if the math favors a fresh start. Federal Reserve research shows filers recover faster than those who don’t file.
