Who is Halsted Financial Services?
Halsted Financial Services, LLC is a debt collection agency located in Skokie, Illinois. They collect overdue debts from individuals on behalf of a variety of businesses.
If you notice Halsted Financial Services on your credit report as a collections account, it indicates that they are responsible for collecting a debt that you have not paid.
Who does Halsted Financial Services collect for?
Halsted Financial Services provides debt collection services to a variety of industries. Their area of expertise spans several sectors, such as automotive, credit cards, retail, telecommunications, and utilities.
Is Halsted Financial Services legit or a scam?
Halsted Financial Services is a reputable company that provides financial services to its clients. However, it has been reported that some customers have experienced repeated unwanted calls, text messages, or emails from the company.
How can I remove Halsted Financial Services from my credit report?
Collection accounts can impact your credit score for up to seven years, so it’s essential to address them promptly. To remove collections from your report, start by disputing any errors related to the account with the credit bureaus.
If the information is accurate, consider negotiating a “pay-for-delete” agreement, where you offer payment in exchange for the account’s removal. Another option is to work with a credit repair service that specializes in challenging collections.
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Halsted Financial Services, LLC Contact Information
Address:
Halsted Financial Services, LLC
8001 Lincoln Ave Ste 500
Skokie, IL 60077-3657
Mailing address:
P.O. Box 828
Skokie, IL 60076
Phone number: (855) 284-0831
Should I contact or pay Halsted Financial Services?
Before contacting a collection agency, verify that the debt is legitimate and accurately reported. Credit reports can contain errors or list debts that are no longer valid. Also, be aware that making payments on a debt can reset the clock and potentially harm your credit.
The most effective way to deal with Halsted Financial Services is to work with a credit repair professional. They help remove millions of negative items every year from companies like Halsted Financial Services on behalf of their clients.
Will Halsted Financial Services sue me or garnish my wages?
Halsted Financial Services has the ability to sue you for an unpaid debt. If they win the lawsuit and a judgment is issued against you, they may be granted the right to garnish your wages or take other actions to collect the debt, depending on the laws in your state.
However, lawsuits tend to be a last resort due to their complexity, cost, and the time they require. Typically, they will attempt to negotiate a payment plan or a debt settlement before resorting to legal action.
Halsted Financial Services, LLC Complaints
Many collection agencies have numerous complaints filed with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Most complaints are about inaccurate reporting, harassment, or failure to verify a debt. If you are being harassed, consider filing a complaint.
You have many consumer rights under the Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA). These rights include disputing credit reporting errors and being treated fairly and respectfully by debt collectors.
Your Rights When Dealing with Halsted Financial Services, LLC
Debt collectors must follow state and federal laws. The Fair Debt Collection Practices Act (FDCPA) prohibits abusive, unfair, or deceptive practices and ensures your rights are protected:
- It is a violation of federal law for Halsted Financial Services, LLC to report inaccurate or incomplete information about you.
- You have a legal right to request debt validation on an alleged debt. Send the collection agency a debt validation letter. They have 30 days to prove the debt is yours and the amount is accurate.
- Halsted Financial Services cannot threaten or harass you, call repeatedly, swear at you, or publicly publish a list of debtors.
- Halsted Financial Services must be honest about who they are and their purpose. They must notify you in writing and verbally that they are a debt collection agency.
- They cannot threaten to have you arrested or imprisoned for unpaid debts.
Remove Halsted Financial Services From Your Credit Report Today!
Credit Saint offers assistance with disputing Halsted Financial Services accounts. With over 15 years of experience, they have worked with clients to address incorrect entries on credit reports.
If managing collection accounts feels overwhelming, working with a trusted credit repair company could be a helpful step toward improving your credit.
Visit their website or call (855) 281-1510 for more details.
