Two years ago, I was a financial disaster. I was ignoring my student loans, waiting until the very last minute to pay my utilities (to the point where I was making excuses for why they were being cut off) and dodging collection calls - and I work in finance! Over this past year, I
If you’ve ever received a phone call from KLS, you were probably informed as a courtesy that your credit report has the potential to be negatively impacted by any unpaid balances. While the majority of our consumers appreciate the heads up, we also hear the relatively common retort of, “go ahead – I don’t
I’ve shared bits and pieces of my life within these blog posts in order to relate to our readers. Our home page says, “We Are You,” and that is the truest thing we can say. Our office is staffed with college kids, single moms, young entrepreneurs, parents of a multi-child household, seniors, and every
If you’ve been following any of our past blog posts, you know that one of KLS Financial Services’ major goals is to help provide consumers with a solid sense of financial literacy. As someone who works in the collections industry, and as someone with a keen interest in economics and money management, I tend
Not to pat ourselves on the back here, but we have 2.7 stars on our google page! I can hear the angels singing and the crowds cheering now. You are probably wondering why 2.7 out of 5 stars is worth the excitement. In our industry, i.e. debt collections, people don’t like us (I know,
Finding a job (much less the right job) in today's busy, bustling market can prove to be very tricky if you aren’t prepared. Today, KLS is here to quell a bit of the anxiety associated with the oftentimes Herculean task of job hunting! Keep reading to learn ways in which you can present the
As we focus our thoughts on the ABC’s of Financial Freedom and reach the Letter “I”, the obvious article would seem to be related to something like Insurance, Investments, Interest rates, or the like. Right? Nope! Instead, I decided to write about a Japanese concept: Ikigai (ee-kee-guy), which means roughly “to live the life
At KLS Financial, the majority of accounts that come across our desks concern medical debt, and unsurprisingly so – medical debt is undoubtedly one of the most common forms of debt, affecting a huge variety of consumers at every walk of life and in every financial situation. Whether you find yourself on the receiving
Hypocrite Alert!!!! Full disclosure, I am so bad at this! When it comes to giving advice on “what not to do,” sometimes it can be extremely difficult to find things to share because I am not perfect. So far from it, actually! This week, I want to talk about something that I struggle with
What comes to mind when you hear the words “debt collector"? A thick envelope, emblazoned with the feared “final demand” stamp? A curt, vaguely ominous voicemail, coldly instructing you to return the call and discuss the urgent state of a balance you never knew existed? Or perhaps a scene akin to the floor of
