Chapman Financial Services


Is Chapman Financial Services hurting your credit score?

Schedule a free consultation to learn how to eliminate inaccurate and questionable negative information from your credit report.

Who is Chapman Financial Services?

Chapman Financial Services (CFS) is a division of MST Financial Solutions, LLC, and operates as a debt collection agency. They are based in Coeur d’Alene, Idaho and have been in the business of collecting debts for various industries.

If you see Chapman Financial Services mentioned on your credit report as a collections account, it likely means that you have an outstanding debt that has not been paid.

Who does Chapman Financial Services collect for?

Chapman Financial Services provides collection services for a wide range of industries and clients. This includes companies operating within the communications sector, educational institutions, government agencies, healthcare providers, legal firms, property management businesses, rental companies, utility providers, and more.

Is Chapman Financial Services legit or a scam?

Chapman Financial Services is a legitimate company. They are authorized to collect debts on behalf of their clients. However, it’s crucial to confirm any debts they allege you owe before proceeding with payments.

How can I remove Chapman Financial Services from my credit report?

Collections can hurt your credit score and stay on your credit report for up to seven years, even if you pay them. Paying the collection might even lower your credit score.

However, it is possible to remove a collection account from your credit history before seven years.

(Though debt collectors may not want this widely known, it’s your right to be informed.)

Ready to Raise Your Credit Score?

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Professional credit repair services assist people in getting their credit back on track.

They can help challenge inaccurate, unfair, or unsubstantiated information on your credit report, including collections, inquiries, late payments, charge-offs, foreclosures, repossessions, bankruptcies, and more.

Get started on the path to better credit today: Fill out the form for a free credit consultation.

Chapman Financial Services Contact Information


Chapman Financial Services
316 N. 4th St.
Coeur d’Alene, ID 83816

Mailing address:

Chapman Financial Services
P.O. Box 7100
Coeur d’Alene, ID 83816

Phone number: (208) 667-4671 or (800) 594-9866

Should I contact or pay Chapman Financial Services?

Before contacting a debt collection agency, verify that the debt is legitimate and accurately reported. Credit reports can contain errors or list debts that are no longer valid. Also, be aware that making payments on a debt can reset the clock and potentially harm your credit.

The most effective way to deal with Chapman Financial Services is to work with a credit repair professional. They help remove millions of negative items every year from companies like Chapman Financial Services on behalf of their clients.

Will Chapman Financial Services sue me or garnish my wages?

Chapman Financial Services (CFS) does have the legal authority to take further action to collect unpaid debts, which could include filing a lawsuit. If the agency successfully sues you and receives a court judgment in their favor, they might have the ability to garnish your wages, levy your bank account, or in some cases, place a lien on your property. The exact actions they can take largely depend on the laws in your specific state.

Chapman Financial Services Complaints

Many collection agencies have numerous complaints filed with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Most complaints are about inaccurate reporting, harassment, or failure to verify a debt. If you are being harassed, consider filing a complaint.

You have many consumer rights under the Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA). These rights include disputing credit reporting errors and being treated fairly and respectfully by debt collectors.

Remove Chapman Financial Services From Your Credit Report Today!

Credit Saint can help you dispute Chapman Financial Services collection accounts. With over 15 years of experience, they have a proven track record of removing incorrect entries for many clients.

If you’re tired of dealing with debt collectors and want to improve your credit, consider working with a trusted credit repair company.

They have helped many people in your situation. Fill out the form on their website or call (855) 281-1510 for a free credit consultation to see what they can do for you.

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Meet the author

Crediful is your go-to destination for all things related to personal finance. We're dedicated to helping you achieve financial freedom and make informed financial decisions. Our team of financial experts and enthusiasts brings you articles and resources on topics like budgeting, credit, saving, investing, and more.