Southern Financial Systems in Texas

Southern Financial Systems is a debt collection agency headquartered in Hattiesburg, MS. It has held a Texas surety bond continuously for 4 years, and currently has an active $10,000 bond on file with the Texas Secretary of State (SoS File 20210187), 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.
4 years

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

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

Public-record facts about Southern Financial Systems

FactValueSource
Headquarters Hattiesburg, MS

Named on: sfscollect.com · Last checked: October 10, 2026

Company type Third-party agency

Classified by us from: sfscollect.com · Last checked: October 10, 2026

Debt types handled Healthcare, Retail, Financial Services, Government, Utilities

Healthcare, Retail, Financial Services named on: sfscollect.com · Last checked: October 10, 2026

Government, Utilities named on: sfscollect.com · Last checked: October 10, 2026

Website sfscollect.com
Texas surety bond history
4 years continuously bonded
Active SoS File 20210187 · filed December 13, 2021 · HARCO NATIONAL INSURANCE COMPANY · bond 0722373
Canceled Close File SoS File 20000207 · filed November 20, 2000 · canceled November 14, 2005 · International Fidelity Insurance Company · bond 304191

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

CFPB debt-collection complaints on record 66

CFPB database: consumerfinance.gov · Last checked: October 7, 2026

How to reach Southern Financial Systems safely

No phone numbers shown yet. We show them only from a website we have tied to Southern Financial Systems's state register record, and its website is not yet tied.

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Common questions about Southern Financial Systems

Is Southern Financial Systems licensed to collect debt in Texas?

Southern Financial Systems has an active $10,000 surety bond on file with the Texas Secretary of State (SoS File 20210187), 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 Southern Financial Systems have complaints on record?

The public CFPB Consumer Complaint Database records 66 debt-collection complaints referencing Southern Financial Systems, 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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