KLS Financial Services

Last checked: August 11, 2026

KLS Financial Services is a debt collection agency headquartered in Morrisville, NC. It has held a Texas surety bond continuously for 7 years, and currently has an active $10,000 bond on file with the Texas Secretary of State (SoS File 20180175), meeting the Texas Finance Code Chapter 392 requirement for third-party debt collectors. Every fact below links to its public source with the date it was last checked.

7 years

of continuous verified Texas bond history on the Texas Secretary of State register. KLS Financial Services currently holds an active $10,000 surety bond.

Source: direct.sos.state.tx.us · Last checked: August 24, 2026

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Verified facts about KLS Financial Services

Fact	Value	Source
Headquarters	Morrisville, NC	Source: klsfinancialservice.com · Last checked: August 11, 2026
Year founded	2017	Source: klsfinancialservice.com · Last checked: August 11, 2026
Company type	Third-party agency	Source: klsfinancialservice.com · Last checked: August 11, 2026
Debt types handled	Healthcare, Commercial	Source: klsfinancialservice.com · Last checked: August 11, 2026
Website	klsfinancialservice.com
Texas surety bond history	7 years continuously bonded ActiveSoS File 20180175· filed September 27, 2018· Harco National Insurance Company· bond 0722362	Register: direct.sos.state.tx.us · Last checked: August 24, 2026
CFPB complaints on record	277	CFPB database: consumerfinance.gov · Last checked: August 11, 2026

Common questions about KLS Financial Services

Is KLS Financial Services licensed to collect debt in Texas?

Yes. KLS Financial Services has an active $10,000 surety bond on file with the Texas Secretary of State (SoS File 20180175), which is the legal requirement for third-party debt collectors under Texas Finance Code Chapter 392, last checked August 24, 2026.

What types of debt does KLS Financial Services specialize in collecting?

According to its own website, KLS Financial Services specializes in medical and healthcare and commercial (B2B) collections, read July 12, 2026. A specialty is the agency's own published claim; this directory verifies the public register facts, not the claim. All declared medical debt collection and commercial debt collection specialists are listed on our industry pages.

Does KLS Financial Services have complaints on record?

The public CFPB Consumer Complaint Database records 277 debt-collection complaints referencing KLS Financial Services, as of August 11, 2026. This is the total on record and links to the live CFPB database; a complaint is a record, not a verdict, and larger agencies naturally accrue more.

This profile presents factual information drawn from public records, with a source and last-checked date for every fact. It is not a recommendation to do business with this company, is not legal advice, and is no substitute for your own due diligence.

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