LCS Financial Services in Texas

This page covers LCS Financial Services's Texas register record; the company facts, complaint count and any enforcement record on it are company-wide. The full company record, covering every state this site verifies it in, is at LCS Financial Services.

LCS Financial Services is a debt collection agency headquartered in Centennial, CO. It has held a Texas surety bond continuously for 20 years, and currently has an active $10,000 bond on file with the Texas Secretary of State (SoS File 20060085), meeting the Texas Finance Code Chapter 392 requirement for third-party debt collectors. Each fact below links to where it comes from wherever a source is on record, with the date it was last checked where a check has run.

20 years

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

Source: texas-sos.appianportalsgov.com · Last checked: October 5, 2026

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Public-record facts about LCS Financial Services

Fact	Value	Source
Headquarters	Centennial, CO	Named on: lcsfin.com · Last checked: October 10, 2026
Company type	Third-party agency	Classified by us from: lcsfin.com · Last checked: October 10, 2026
Debt types handled	Financial Services	Named on: lcsfin.com · Last checked: October 10, 2026
Website	lcsfin.com
Careers page	lcs-financial-services-corporation.breezy.hr	Linked from: lcsfin.com · Last checked: October 2, 2026
Texas surety bond history	20 years continuously bonded Active SoS File 20060085 · filed April 21, 2006 · HARCO National Insurance Company · bond 0418989	Register: texas-sos.appianportalsgov.com · Last checked: October 5, 2026
CFPB debt-collection complaints on record	67	CFPB database: consumerfinance.gov · Last checked: October 7, 2026

How to reach LCS Financial Services safely

From LCS Financial Services's own website, read October 6, 2026. Each detail links to the page that shows it.

Call: 866.662.9087 As shown on LCS Financial Services's own website, read October 6, 2026
Pay online: intelligentnegotiator.com This payment site is on a different domain from LCS Financial Services's own website: intelligentnegotiator.com (link text 'Customer Portal'; name taken from the address only). LCS Financial Services's own website links to it. As linked from LCS Financial Services's own website, read October 6, 2026
Hours: Monday-Friday 7am-5pm MT As shown on LCS Financial Services's own website, read October 6, 2026. Its website may list days not shown here

Be careful. Callers can fake the number they show. If you are not sure a call is real, hang up and call a number above yourself.

Common questions about LCS Financial Services

Is LCS Financial Services licensed to collect debt in Texas?

LCS Financial Services has an active $10,000 surety bond on file with the Texas Secretary of State (SoS File 20060085), last checked October 5, 2026. Texas does not issue a collection license; that bond is what Texas Finance Code Chapter 392 requires of a third-party debt collector before it collects consumer debts.

Does LCS Financial Services have complaints on record?

The public CFPB Consumer Complaint Database records 67 debt-collection complaints referencing LCS Financial Services, as of October 7, 2026. This counts debt-collection complaints only, all years, not every complaint the Bureau holds about the company; the profile links the same search on the live CFPB database; a complaint is a record, not a verdict, and the CFPB says its database is not a statistical sample of consumers’ experiences.

This profile presents factual information drawn from public records, the company's own website and, where a row names one, a business directory, each linked to its source where one is on record, with a last-checked date wherever a check has run. 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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