KLS Financial Services is a collection agency that handles medical accounts for healthcare providers, plus commercial collections. If it has contacted you, the bill most likely came from a doctor, clinic or other medical practice.
- Type
- Collection agency
- Also known as
- KLS Financial Services, Inc; KLS Financial
- Collects
- medical bills, commercial accounts
- Phone numbers it lists
- (833) 447-3557
- Website
- klsfinancialservice.com
153 debt collection complaints were sent to the Consumer Financial Protection Bureau about KLS Financial Services, Inc 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 KLS Financial Services?
KLS Financial Services is a collection agency whose website describes three lines of work: a customized collection process for medical and commercial accounts, and a consumer financial assistance program. The site lists an address at 1065 W. Levoy Drive, Suite 100, in Taylorsville, Utah, while a BBB seal on the same site refers to Morrisville, North Carolina, so the company appears to have a presence in more than one state. The site also shows a permit number and says KLS has been named a "Best Place to Work in Collections" five years running.
KLS publishes one phone number, (833) 447-3557 (833-HIRE-KLS). Don't confuse it with Kross, Lieberman & Stone, a different collection agency that also goes by "KLS," or with KLS Financial, a Los Angeles property manager.
Why KLS Financial Services May Be Contacting You
Most consumers hear from KLS about medical bills. The company markets its medical division to physician practices and other healthcare providers. So a typical KLS letter concerns a copay, deductible, or balance a provider says insurance didn't cover. KLS also does commercial collections, which usually involve business accounts rather than individuals.
How to Check a Debt KLS Financial Services Says You Owe
Medical bills are complicated, so check how the balance arose:
- Start with the validation notice. It must name the provider (the creditor) and itemize the bill, as 15 U.S.C. § 1692g and 12 C.F.R. § 1006.34 require.
- Dispute in writing within the validation period if the bill should have gone to insurance, was already paid, or isn't yours. KLS has to stop collecting until it responds with verification.
- Get the itemized bill and your explanation of benefits. In Texas, a licensed health care facility may not pursue collection until it has sent the patient an itemized bill; see Texas SB 490.
- Confirm the provider still owns the account and hasn't resolved it with your insurer.
- Consider the time limit. The usual Texas limitation period on a debt is four years (Tex. Civ. Prac. & Rem. Code § 16.004), and debt buyers cannot sue on time-barred consumer debt (Tex. Fin. Code § 392.307). Limits differ in other states.
What KLS Financial Services Can and Can't Do
As an agency collecting for healthcare providers and businesses, KLS is a "debt collector" under 15 U.S.C. § 1692a(6) when it collects consumer accounts.
- It may not discuss your medical debt with your employer, neighbors or relatives (15 U.S.C. § 1692c(b)).
- It may not add charges the provider's agreement doesn't permit (15 U.S.C. § 1692f(1)).
- Medical collections are now treated differently on credit reports; see the credit bureaus' changes.
- Seven calls in seven days is presumed to be harassment (12 C.F.R. § 1006.14(b)(2)).
We did not find a CFPB enforcement action against KLS Financial Services. See whether you can be sued over medical bills in Texas, or contact our FDCPA attorneys.
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 KLS 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
- KLS Financial Services: official site
- CFPB enforcement actions search
- CFPB Consumer Complaint Database: KLS Financial Services, Inc, debt collection
This profile is general information compiled from public sources, not legal advice, and it does not state or imply that KLS Financial Services has violated any law. Company details change; tell us if something here is out of date.