Northwest Financial Services

Is Northwest Financial Services hurting your credit score?

Schedule a complimentary credit consultation to find out how you can eliminate inaccurate and questionable negative information from your credit report.

Who is Northwest Financial Services?

Northwest Financial Services, based in St. Joseph, Missouri, is a debt collection agency that specializes in the recovery of past-due debts. If you have an account with them listed on your credit report, it means you likely have an unpaid bill that the original creditor has turned over to this agency for collection.

Who does Northwest Financial Services collect for?

Northwest Financial Services primarily collects debts on behalf of healthcare providers. They typically manage accounts related to unpaid medical bills, including but not limited to hospital charges, physician fees, and other healthcare services.

Is Northwest Financial Services legit or a scam?

Northwest Financial Services is a legitimate company. However, like many collection agencies, they may engage in persistent communication practices such as frequent calls, texts, or emails in an attempt to collect the debt.

How can I remove Northwest 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?

Some clients have raised their credit scores
by 100 points* or more.

[*] Results are not typical or guaranteed.

Lexington Law is a professional credit repair law firm that works with people who want to fix their credit.

In addition to collections, they can work with 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.

Northwest Financial Services Contact Information


Northwest Financial Services
620 Francis St.
St. Joseph, MO 64501

Phone number: (816) 364-4858

Should I contact or pay Northwest Financial Services?

It’s best to avoid speaking to a 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 collection account, especially if it’s new, and you’re certain that it’s legit.

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

Will Northwest Financial Services sue me or garnish my wages?

Northwest Financial Services, like many debt collection agencies, does have the legal right to sue you for an unpaid debt. However, taking legal action is typically a last resort due to the time, cost, and resources involved.

If they do decide to sue and obtain a court judgment against you, they could potentially garnish your wages as a means to collect the debt, but this depends on the laws in your state. Some states have restrictions on wage garnishment.

Northwest 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 Northwest Financial Services

Debt collectors must abide by state and federal laws in the United States. For example, the Fair Debt Collection Practices Act prohibits a collection agency from using abusive, unfair, or deceptive practices. In addition, the FDCPA 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 Northwest 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.
  • Northwest Financial Services may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
  • Northwest 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.
  • Northwest Financial Services cannot threaten to have you arrested or imprisoned over unpaid debts.

Remove Northwest Financial Services From Your Credit Report Today!

Lexington Law can assist you in disputing Northwest Financial Services collection accounts. With more than 18 years of experience, they achieved over 6 million removals for their clients in 2021 alone.

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 for a free credit consultation to see what they can do for you.

Ready to Repair Your Credit?

Some clients have raised their credit scores
by 100 points* or more.

[*] Results are not typical or guaranteed.