Chapman Financial Services


Is Chapman Financial Services hurting your credit score?

Schedule a free credit consultation to find out how you can 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 remain on your credit report for up to seven years regardless of whether you pay it or not. Unfortunately, paying the collection could even lower your credit score.

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

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

Ready to Raise Your Credit Score?

Learn how credit repair professionals can assist you in disputing inaccuracies on your credit report.

Professional credit repair services work with people who want to get their credit back on track.

In addition to collections, they can help you to challenge other inaccurate, unfair, or unsubstantiated information on your credit report. These items include 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. Sometimes, credit reports contain errors or list debts that are no longer valid. Also, be aware that making payments on a debt can reset the clock. As a result, it could harm your credit rather than improve it.

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

Most collection agencies have numerous complaints filed against them with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Most consumer complaints are about inaccurate reporting, harassment, or failure to verify a debt. If a debt collector is harassing you, you may want to 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 the ability to dispute credit reporting errors and to be treated fairly and respectfully by debt collectors.

Remove Chapman Financial Services From Your Credit Report Today!

Credit Saint can assist you in disputing Chapman Financial Services collection accounts. With years of experience at their disposal, these professionals have a proven track record of effectively removing incorrect entries for countless 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 give them a call at (855) 281-1510 for a free credit consultation to see what they can do for you.

Ready to Repair Your Credit?

Learn how to get help disputing errors on your credit report that could be hurting your credit score.

Meet the author

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