Hannah Locklear | December 12, 2022
Summary: KLS Financial Services is a debt collection agency that specializes in medical and commercial debt collection. If you’ve been sued by KLS Financial, respond with a written Answer where you reply to each claim against you and assert your affirmative defenses. Be sure to file your Answer before your state’s deadline. SoloSuit makes it easy to respond to KLS Financial Services and win.
If you received a Summons and Complaint from KLS Financial Services regarding an unpaid debt, you have options. Don’t throw your hands up in despair or waive the white flag of defeat.
Yes, the thought of batting a debt collection company in court can feel daunting, and even a bit overwhelming. Nevertheless, if you proactively prepare, you can beat KLS Financial Services in court. This article explains how to achieve that and everything else you need to know about debt collection lawsuits and KLS Financial Services.
KLS Financial Services is a legit debt collection agency operating out of North Carolina. The agency has been in the debt collection business since 2017. KLS specializes in the collection of delinquent medical bills and commercial collections (like credit card debt).
Below is the contact information, including the phone number, of KLS Financial Services:
KLS Financial Services
991 Aviation Parkway
Morrisville, NC 27560
KLS Financial Services is not known as a “consumer-friendly” debt collection agency. In fact, quite the opposite is true. Numerous consumer complaints have been filed against the agency alleging violations of the Fair Debt Collection Practices Act (FDCPA).
As of 2022, the Consumer Financial Protection Bureau (CFPB) has received more than 130 complaints against KLS Financial Services in the last ten years. On its Better Business Bureau profile, KLS Financial has more than 20 complaints listed over the last three years.
Here’s an example of a real complaint from KLS Financial’s BBB profile:
“On 8/3/22, I sent a dispute letter to a collection company: KLS Financial Services requesting they validate an alleged debt in the amount of $147.50. KLS Financial Services did not provide any proof that I owed this debt or that they are legally authorized to collect this debt. The collection agency provided a screenshot of an accounts receivable summary with a name of a physician I’ve never seen and no evidence of validation and/or my obligation to pay this debt to this collection agency. The company did not provide any documentation with my signature clearly showing that I agreed to any medical service.”
If you are being harassed by a debt collector affiliated with KLS Financial Services, it is vital to understand that you do not have to endure harassing collection tactics. You have statutory protections and rights under the FDCPA and other federal laws.
The FDCPA is a federal law designed to regulate the actions of debt collection agencies. The FDCPA accomplishes this objective by setting forth specific rules and regulations for debt collection practices. For example, the FDCPA prohibits the use of abusive or threatening language and the use of false or misleading information during any debt collection attempts.
Below are some other rules outlined in the FDCPA:
If KLS Financial Services has used any of these tactics while trying to collect a debt from you, report the agency to the CFPB, FTC, and your state’s attorney general’s office.
In addition to the FDCPA, consumers have statutory protections from harassing and intimidating debt collection efforts under the Telephone Consumer Protection Act (TCPA) and Fair Credit Reporting Act (FCRA).,
The Telephone Consumer Protection Act (TCPA) protects consumers from being subjected to robocalls. If a debt collector is harassing you with multiple robocalls each day, you may have grounds to file a civil action and pursue compensatory damages of $500 per call.
The Fair Credit Reporting Act (FCRA) sets forth reporting standards to ensure that no information reported to a credit bureau by a debt collector is false or inaccurate. Basically, the FCRA provides you with a statutory mechanism to dispute any inaccuracies found on your credit report. If KLS Financial Services appears on your credit report, they may tell you that they’ll remove the debt from your credit report if you pay the amount owed.. This is commonly known as the “pay for deletion” technique. Please understand that if the original creditor is also on your credit report, along with the debt collection agency, both should be removed from the report if you ultimately decide to pay the amount owed.
If you’ve been sued by KLS Financial Services, you should have received a court Summons and Complaint in the mail. These are the legal documents that initiate a lawsuit. The Summons notifies you of the case, while the Complaint lists the specific allegations made against you.
You must respond to the Summons and Complaint before your state’s deadline in order to avoid a default judgment. With a default judgment granted, KLS Financial may have the right to garnish your wages and seize your property.
You can avoid a default judgment by responding to the case with a written Answer. While drafting your Answer, follow these three steps:
Draft and file your Answer online, in any state, within minutes.
Below is an example of how to use these three steps to beat KLS Financial Services in court:
Let’s take a look at an example.
Example: Ben is being sued by KLS Financial Services for a $2,000 credit card debt in North Carolina. He uses SoloSuit to draft and file an Answer to the lawsuit. In his Answer document, Ben responds to each claim listed in the Complaint, denying most of them. He also uses the expired statute of limitations as an affirmative defense—the statute of limitations on credit card debt is three years in North Carolina, and Ben hasn’t made any payments in more than four years. Finally, SoloSuit files Ben’s Answer with the court for him. Ben waits a few months, and he is thrilled when he hears that KLS Financial has dismissed the case entirely.
To learn more about these three steps, check out this video:
In addition to responding to a debt collection summons filed by KLS Financial Services, you have the ability to file a counterclaim and pursue compensatory damages from the collection agency. For example, the FDCPA enables consumers who have been violated to recover damages of up to $1,000, plus attorney fees and court costs.
In terms of learning how to beat KLS Financial Services, here is a brief summary of what to do if this debt collection agency files a lawsuit against you:
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.
>>Read the FastCompany article: Debt Lawsuits Are Complicated: This Website Makes Them Simpler To Navigate
>>Read the NPR story on SoloSuit. (We can help you in all 50 states.)
Here's a list of guides for other states.
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You can ask your questions on the SoloSuit forum and the community will help you out. Whether you need help now are are just look for support, we're here for you.
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Out Debt Validation Letter is the best way to respond to a collection letter. Many debt collectors will simply give up after receiving it.
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