KLS Financial Services


Is KLS 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 KLS Financial Services?

KLS Financial Services is a debt collection agency based in Morrisville, North Carolina. Established to aid businesses in the recovery of past-due accounts, the agency plays an intermediary role between creditors and debtors.

You might notice KLS listed on your credit report if you have an account in collections. This can happen if you’ve defaulted on payments.

Who does KLS Financial Services collect for?

KLS Financial Services primarily focuses on two sectors: commercial and medical collections. This could include a wide range of industries, such as manufacturing, retail, wholesale, telecommunications, transportation, and more.

Is KLS Financial Services legit or a scam?

While KLS Financial Services is a legitimate debt collection company, their methods of contact can sometimes be perceived as aggressive or intrusive, especially if they repeatedly attempt to reach a debtor through multiple channels. They may repeatedly spam call, text, or email you.

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

KLS Financial Services 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.

(Though debt collectors may not want this 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 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.

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KLS Financial Services Contact Information


KLS Financial Services
991 Aviation Parkway Suite 500
Morrisville, NC 27560

Phone number: (833) 447-3557

Should I contact or pay KLS Financial Services?

It’s best to avoid speaking to a third-party collection agency on the phone. And making payments on the debt will reset the clock. As a result, it could harm your credit rather than improve it.

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

Will KLS Financial Services sue me or garnish my wages?

It is possible for a debt collection agency like KLS Financial Services to sue you if you owe a debt. If a judgment is obtained in court, wage garnishment may occur depending on your state’s laws. However, it is essential to remember that not all agencies will choose to go this route. It is often seen as a last resort and can depend on factors like the size of the debt, the likelihood of collecting the debt, and the cost of legal proceedings.

KLS 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.

Your Rights When Dealing with KLS Financial Services

Debt collectors must follow state and federal laws. The Fair Debt Collection Practices Act (FDCPA) prohibits abusive, unfair, or deceptive practices and ensures your rights are protected:

  • It is a violation of federal law for KLS Financial Services to report inaccurate or incomplete information about you.
  • You have a legal right to request debt validation on an alleged debt. Send the collection agency a debt validation letter. They have 30 days to prove the debt is yours and the amount is accurate.
  • KLS Financial Services cannot threaten or harass you, call repeatedly, swear at you, or publicly publish a list of debtors.
  • KLS Financial Services must be honest about who they are and their purpose. They must notify you in writing and verbally that they are a debt collection agency.
  • KLS Financial Services cannot threaten to have you arrested or imprisoned for unpaid debts.

Remove KLS Financial Services From Your Credit Report Today!

Credit Saint can help you dispute KLS 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.