How to Beat Halsted Financial Services

Dena Standley | August 16, 2022

When you beat Halsted Financial Services ^^

Summary: Is Halsted Financial Services suing you for a debt? SoloSuit can help you take a stand and win in court.

You become curious and answer when you receive a call during odd hours or repetitive calls from the same number. The caller identifies themselves as an agent for Halsted Financial Services and claims to be collecting a debt of $5,000.

The caller then threatens to "raise this matter to the next level," letting you know that if you don't pay today, you will not be able to get any more credit.

After you request proof of the debt in writing, they hang up. But they still bombard your phone with calls all day long. It is incredibly irritating and a clear sign of harassment. Your request was to have them substantiate the debt, but they disconnected the call, citing you were "uncooperative."

Creditors (such as banks, credit card companies, or other lenders) may hire a company, such as Halsted Financial Services, LLC, to collect debt on their behalf if not received promptly. Learn how to beat Halsted Financial Services below.

Who is Halsted Financial Services?

Halsted Financial Services, LLC is accredited by the Better Business Bureau and is an RMAI-certified third-party debt collector. They provide debt recovery services for companies in the following industries:

Credit cards
Retail
Automotive
Utility
Telecommunication

Their contacts information is:

Website : www.https://halstedfinancial.com/
Email: Webcustomer@halstedfinancial.com
Phone: (855) 284-0831
TTY: (800) 275-8639 Ext. 711
P.O. Box: 828 Skokie, IL 60076

According to the Better Business Bureau (BBB), Halsted Financial has received 196 complaints. Even worse, the Consumer Financial Protection Bureau has received more than 500 complaints against Halsted Financial Services in just the last three years. Despite Halsted's responses to many of them, the staggering number and similarities in consumers' complaints do not lend a glowing review to the collections company.

Take action to protect your rights

You first need to know your rights to beat Halsted Financial Services. There are strict regulations about what a debt collector can and cannot do. By law, the Consumer Financial Protection Bureau (CFPB) protects consumers from aggressive debt collectors by prohibiting practices such as:

Calls before 8 a.m. or after 9 p.m.
Violent or arrest-threatening measures.
Multiple calls within the same day.
Discuss your debt with your family or colleagues.
Posing as a lawyer.
Contacting you after you have sent a cease-and-desist letter.
Trying to collect a debt you don't owe (or have already paid).
Rejecting debt validation requests.

There are many complaints against Halsted Financial Services on the Better Business Bureau website, most of which have something to do with billing or collections. By calling the FTC at 877-382-4357 or using the FTC's online platform, you can report Halsted Financial Services if you believe your rights have been violated. Alternatively, you can report them online or by calling the CFPB at 855-411-2372.

Send a Debt Validation Letter

Federal law Section 609 gives you the right to request a debt validation. You can do this by sending a Debt Validation Letter to Halsted Financial Services. Send it within 30 days after hearing from a debt collector to protect yourself from paying a debt you do not owe. Whether you are disputing the entire claim or just a portion, you have a right to see proof of the validity of the debt collector's claim.

If Halsted Financial Services cannot produce the paperwork to prove you owe them money, they will be forced to abandon their collection efforts against you and close their file. Use SoloSuit's Debt Validation Letter and mailing instructions if you aren't sure exactly how to pursue this option.

To learn more about debt validation, check out this video:

Reach a pay-for-delete agreement

One of the primary reasons a debt collection agency like Halsted Financial Services seeks payment from a debtor is that it can offer a deal in return. For every dollar of debt they purchase from creditors, debt collectors receive, on average, $.04.

Therefore, Halsted Financial Services may have only paid $200 of the original $5,000 debt. If so, a settlement is more likely since they'll profit $800 if you pay $1000. They may be eager to make some money, close the account, and even consider removing it from your credit report.

Make a written agreement before engaging in a pay-for-delete arrangement, and insist on the written confirmation.

What if Halsted Financial Services sues me?

If Halsted Financial Services is suing you, don't panic. SoloSuit can help you represent yourself and beat GRC in court. Here's how.

The first step to beating Halsted Financial in court is to respond to the lawsuit. When you're sued for a debt, you should receive court documents notifying you of the suit. These documents are called the Summons and Complaint (also known as Petition in some states). The Summons notifies you of the case information, while the Complaint lists the specific claims being made against you. You should respond to the Summons and Complaint as soon as you receive it by filing a written Answer with the court.

Here are six tips to follow when drafting your Answer:

The Answer isn't the place to tell your side of the story in detail. Instead of using an elaborate story to respond to the lawsuit, your Answer should focus on responding to the claims listed in the Complaint document. Keep it simple. You can admit, deny, or deny due to lack of knowledge.
Deny, deny, deny. Most attorneys recommend that you deny as many claims as possible, forcing Halsted to do more work to prove their side of the case.
Include affirmative defenses. These are any legal reasons that Halsted Financial should not win the case. A common affirmative defense used in debt lawsuits is the statute of limitations, which is the time period that a debt collector has to sue someone for a debt. If the debt is past the statute of limitations, then the lawsuit is void.
Use standard formatting or “style”. At the head of the Answer document, be sure to include a caption where you list the court information, party information, and case number.
Include a certificate of service. It's important to serve your Answer to Halsted Financial. At the end of your Answer document, include a certificate of service when you verify the address you used to serve Halsted the Answer.
Sign it. Most courts reject any legal documents without signatures, which is why this last step is so crucial.

SoloSuit can help you draft and file an Answer in all 50 states.

Learn more about these six tips in this video:

What is SoloSuit?

SoloSuit makes it easy to fight debt collectors.

You can use SoloSuit to respond to a debt lawsuit, to send letters to collectors, and even to settle a debt.

SoloSuit's Answer service is a step-by-step web-app that asks you all the necessary questions to complete your Answer. Upon completion, we'll have an attorney review your document and we'll file it for you.

Respond with SoloSuit

"First time getting sued by a debt collector and I was searching all over YouTube and ran across SoloSuit, so I decided to buy their services with their attorney reviewed documentation which cost extra but it was well worth it! SoloSuit sent the documentation to the parties and to the court which saved me time from having to go to court and in a few weeks the case got dismissed!" – James

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