Halsted Financial Services, LLC is a collection agency with a Skokie, Illinois mailing address that collects past-due accounts placed with it by creditors such as banks, credit card companies and other lenders. Its website promotes discounts and payment plans through an online portal.
- Type
- Collection agency
- Also known as
- Halsted Financial Services, LLC
- Collects
- credit card accounts, bank and lender accounts
- Phone numbers it lists
- (855) 284-0831
- Website
- halstedfinancial.com
1,564 debt collection complaints were sent to the Consumer Financial Protection Bureau about Halsted Financial Services, LLC. from November 13, 2023 to November 12, 2026. A complaint is a consumer's account, not a finding that the company broke the law. Read the complaints in the CFPB database.
Who Is Halsted Financial Services?
Halsted Financial Services, LLC describes itself as a full-service receivables management organization that "specializes in managing and servicing delinquent account receivables." Its FAQ says its history in the collections industry began in 2008. The company's published mailing address is a post office box in Skokie, Illinois, and it says its agents work from 7 a.m. to 8 p.m. Central time. Its site lists RMA and CRCP certification numbers and names its chief compliance officer.
Halsted does not say on its site who owns it, and we have not verified ownership from another public source.
Why Halsted Financial Services May Be Contacting You
Halsted's FAQ explains that when a creditor, "for example a bank, credit card company, or other type of lender," does not receive timely payments, it may send the account to a company like Halsted to collect. In other words, Halsted usually is not the company you originally borrowed from. The FAQ tells consumers to look for the "Original Creditor" line in its letter or email to see who opened the account.
Halsted's home page heavily promotes settlement offers, with examples of percentage discounts and installment plans available by logging into its payment portal. A discount offer is not proof that the debt is yours, that the balance is right, or that the account is still within the time to sue. Settle only after you have confirmed those points, and get any settlement terms in writing before paying.
How to Check a Debt Halsted Says You Owe
With a placed credit account, your goal is to connect Halsted's figure to a real account you recognize.
- Find the validation information. Halsted must give you, in writing, the name of the creditor, an itemization of the debt and the date by which to dispute it (15 U.S.C. § 1692g; 12 C.F.R. § 1006.34). If it first reached you by email, that notice may come electronically.
- Dispute in writing before that date if you do not recognize the account or the amount. Ask for the last statement from the original creditor and an explanation of anything added after charge-off.
- Ask who owns the debt today. Many credit accounts are sold after charge-off; the owner, not Halsted, decides whether to sue.
- Check for prior payment. Halsted's FAQ invites people who already paid the creditor or another agency to send proof, which it says it will research.
- Know the limitations period. In Texas, the general limit to sue on a debt is four years (Tex. Civ. Prac. & Rem. Code § 16.004), and a debt buyer cannot sue on time-barred consumer debt (Tex. Fin. Code § 392.307). See whether a payment restarts the clock. Other states set different periods.
What Halsted Financial Services Can and Can't Do
Halsted collects debts owed to others, so it is a "debt collector" under 15 U.S.C. § 1692a(6). The law gives you several protections:
- A "discount" offer cannot be presented in a way that misstates the amount owed or creates false urgency, such as a deadline that does not exist (15 U.S.C. § 1692e).
- It may not call more than seven times within seven days about one account (12 C.F.R. § 1006.14(b)(2)) or before 8 a.m. or after 9 p.m. your local time (15 U.S.C. § 1692c(a)(1)).
- If you dispute in writing during the validation period, it must stop collecting until it sends verification (15 U.S.C. § 1692g(b)).
- If you have a lawyer for the debt and Halsted knows it, it must deal with your lawyer instead of you (15 U.S.C. § 1692c(a)(2)).
We did not find an enforcement action against Halsted Financial Services in the CFPB's enforcement actions list, the FTC's case database, the Connecticut Department of Banking's 2016–2026 consumer credit orders, California DFPI enforcement records or the New York DFS enforcement actions list, which we checked in November 2026.
We Sue Debt Collectors That Break the FDCPA
Texas Debt Law files Fair Debt Collection Practices Act lawsuits against debt collectors in federal court for consumers in Texas, California, Illinois, Georgia and Colorado. If Halsted Financial Services or anyone collecting for it harassed you, misstated what you owe, threatened action it could not take, or told others about your debt, you may have a claim. A court can order a collector that violated the FDCPA to pay your actual damages, up to $1,000 in additional statutory damages, and your attorney's fees and costs (15 U.S.C. § 1692k(a)). An FDCPA claim generally must be filed within one year of the violation (§ 1692k(d)), so keep your letters, call logs, voicemails and screenshots, and talk to us early. Texas residents may also have claims under the Texas Debt Collection Act. Learn more from our FDCPA attorneys.
Free FDCPA Case Review(214) 851-2250
Or start your free case evaluation online. No lawyer can promise a result; every claim depends on its facts and proof.
Sources
- Halsted Financial Services: home page and contact details
- Halsted Financial Services: About
- Halsted Financial Services: FAQ
- CFPB Consumer Complaint Database: Halsted Financial Services, LLC., debt collection
This profile is general information compiled from public sources, not legal advice, and it does not state or imply that Halsted Financial Services has violated any law. Company details change; tell us if something here is out of date.