KLS Financial Services


Is KLS 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 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.

(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.

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. However, sometimes it’s better just to pay the debt, especially if it’s new, and you’re certain that it’s legit.

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

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.

Your Rights When Dealing with KLS Financial Services

Debt collectors must abide by state and federal laws in the United States. For example, the FDCPA prohibits a debt collector from using abusive, unfair, or deceptive practices. In addition, it provides you with many rights to ensure that collection agencies don’t take advantage of you. In particular:

  • 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. By law, they have 30 days to prove to you that the debt is really yours and the total amount is accurate.
  • KLS Financial Services may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
  • KLS Financial Services must be honest about who they are and what they are attempting to do. They must notify you that they are a debt collection agency both orally and in writing.
  • KLS Financial Services cannot threaten to have you arrested or imprisoned over unpaid debts.

Remove KLS Financial Services From Your Credit Report Today!

Credit Saint can assist you in disputing KLS 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.

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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.