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Halsted Financial Services Reviews

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Edited by: Tammy Burns

About Halsted Financial Services

Halsted Financial Services is a debt collection agency operating nationwide. It works with creditors in various industries to recover outstanding consumer and business debts and offers repayment options that help you restore financial independence. It ensures that consumers are fully informed about their rights under the Fair Debt Collection Practices Act (FDCPA) and other relevant legislation.

Visit halstedfinancial.com
Pros
  • Variety of payment options
  • Online account access
  • Focus on regulatory compliance
Cons
  • Debts can negatively affect your credit score
  • Can receive multiple collection phone calls

What is Halsted Financial Services?

Based just north of Chicago, Halsted Financial Services is a debt collection agency that says it is focused on blending digital innovation with human interaction to assist consumers in resolving their debts.

The company offers flexible debt repayment options for as little as $50 per month to help you settle your debt.

Halsted Financial Services is accessible 24/7 through its web portal and online payment features. If you need to talk with someone, its customer service agents are available ​​from 7 a.m. to 8 p.m. Central time at 855-284-0831.

How does Halsted Financial Services work?

When a consumer becomes delinquent on their payments to a creditor, such as a bank or credit card company, that creditor may contact a debt collection agency such as Halsted Financial Services.

When this happens, Halsted contacts the debtor on behalf of the creditor. If you’re a debtor and choose to work with Halsted, the company will then attempt to negotiate payment plans or settlements for outstanding balances on your behalf.

You can contact Halsted by phone, mail or the online portal to discuss your accounts and repayment options.

One example of a debt repayment plan listed on Halsted Financial Service’s website is for $1,000 in delinquent debt. If a debtor can repay this with one payment, they can save as much as 50%, paying only $500 to settle their debt.

For those who can’t make a large upfront payment, Halsted Financial Services also offers a range of repayment plans with manageable monthly payments.

Halsted Financial Services plans

As a debt collection company, Halsted Financial Services only offers the following services:

  • Debt collection: Primary service focuses on recovering outstanding balances owed to creditors.
  • Account management: Provides tools for debtors to view balances, set up payments and monitor progress.

Halsted Financial Services pricing

The cost for debt collection companies is different for every debtor, depending on how much you owe, how much you can pay upfront and who your debt is with.

You will need to contact Halsted Financial Services directly to figure out how much you will need to pay and if there are any additional fees associated with your debt repayment.

Halsted Financial Services FAQ

What should I do if contacted by Halsted Financial Services?

If you’re contacted by Halsted Financial Services, make sure you understand your rights under the FDCPA. Request debt validation in writing and communicate any disputes about the debt. If you believe this debt is a mistake or fraud, contact the company immediately.

Does Halsted Financial Services report to credit bureaus?

While Halsted Financial Services may not directly report to the credit bureaus, unresolved debts can be sent to reporting agencies by the original creditor.

Can I stop Halsted Financial from contacting me?

You can request in writing that Halsted Financial Services cease communication, but this does not erase the debt.

Still have questions?

Is Halsted Financial Services worth it?

As far as a debt collection company goes, Halsted Financial Services has many positive reviews on competitor websites and is upfront about its commitment to upholding FDCPA rules.

The fact that consumers can request to remove their number from Halsted’s call list or submit complaints directly to the company shows a level of dedication to the consumer.

With that being said, it is still a debt collection company, and it can be financially hard for many to repay debt and manage a repayment schedule.

Halsted Financial Services Reviews

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    How do I know I can trust these reviews about Halsted Financial Services?
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    Page 1 Reviews 0 - 35
    Verified purchase
    StaffBilling

    Reviewed Aug. 27, 2026

    I had a debt that they acquired. I wasn't avoiding paying it, just didn't have the funds to do so. Through them though, I was able to settle for a lower amount with payments that were much more manageable. They even offered some flexibility on the new amount, which gave me some relief. Without sounding like someone who just goes into debt, this company has done business with my husband as well and offered him a very helpful payment plan as well, I say that to say that they are reliable and really are for helping people and not just out to get money.

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    Halsted Financial Services
    Response from Halsted Financial Services

    Mishika, we appreciate you taking the time to share your positive feedback. It's fantastic to know we could help.

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      Verified purchase
      Customer ServiceStaffBilling

      Reviewed Aug. 15, 2026

      No matter how long I dodged them lol they still gladly worked with me on a suitable payment plan and amount that was financially responsible yet equally beneficial for both parties! I got a big chunk of money taking off the top of what I owed so in the end I'm saving money and they still get their money from collecting on my debt! And to top it all off the payment plan that we agreed on is being reported to the three credit bureaus and my credit is naturally going up with consistency! Super friendly workers and people that call. All in all I've had a good experience with them.

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      Halsted Financial Services
      Response from Halsted Financial Services

      Jeannie, it’s wonderful to hear the payment solution worked out well for you. Thank you for the review.

      Verified purchase
      Billing

      Reviewed Aug. 7, 2026

      I appreciate that I was offered different payment plans according to my budget because I am on SSDI and I am currently working on clearing credit debt, thank you so very much! It is of importance that when you are working with people of all walks of life that you consider no one wants to be in debt. So I can not repeat enough that you are the first organization that offered solutions to me. Hats off to your team.

      Thanks for your vote!
      Halsted Financial Services
      Response from Halsted Financial Services

      Simone, we're pleased we could be of help. Thank you for the positive review.

      Verified purchase
      StaffBilling

      Reviewed July 29, 2026

      Best company I’ve worked with in understanding and willing to work to lower your payment in order to resolve debt. After having lost my job for emergency health reasons and being a first time stay-at-home mom with a one income household, it’s been real tough on us these past 2+ years. Being given the opportunity to have lower payment plans to pay off debt has been a life saving blessing. I’m grateful for their patience and understanding to work with me in resolving this. A huge thank you to the team for their dedication and support in helping their clients achieve their goal of becoming debt free. Many blessings to all.

      Thanks for your vote!
      Halsted Financial Services
      Response from Halsted Financial Services

      Linnette, we're pleased our payment solution worked well for you. Thank you for the positive review.

      Verified purchase
      Customer ServiceStaff

      Reviewed June 16, 2026

      Wanted to take a moment to recognize the excellent job she did during the tour. She was professional, knowledgeable, patient, and represented the company in a very positive manner. Her attention to detail, positive attitude, and ability to communicate effectively made the experience smooth and enjoyable. She went above and beyond expectations and demonstrated a strong commitment to her work. Employees who consistently perform at this level deserve to be recognized for their efforts. Based on her performance, dedication, and the value she brings, I strongly believe she deserves a raise as soon as possible.

      Thanks for your vote!
      Verified purchase

      Reviewed Aug. 31, 2026

      Great place, I had no hopes but they gave me some hope.

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      Verified purchase
      Staff

      Reviewed Aug. 31, 2026

      They were very helpful in getting the plan I could afford.

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      Verified purchase
      StaffBilling

      Reviewed Aug. 31, 2026

      This is one of the most respectful debt collection companies I’ve ever dealt with during a stressful time on trying to do right by what I owe. This company hasn’t harassed me; they have even helped me settle for less with a more than fair payment program. I can’t say enough about working with this firm; it’s been an absolute pleasure to deal with the Halsted team!

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      Verified purchase
      Online & AppStaffBillingEase of Use

      Reviewed Aug. 31, 2026

      Offered excellent payment plans to fit my budget. Website is very user friendly.

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      Verified purchase
      Staff

      Reviewed Aug. 31, 2026

      Easy to work with. Easy to pay off my account. The agent I spoke to was pretty nice but seemed a little annoyed with his job.

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      Verified purchase
      Customer Service

      Reviewed Aug. 31, 2026

      These guys have been great. It sucks having a collection but these guys have worked with me and when you do pay it off they get it off your credit report. They are persistent but not rude or aggressive.

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      Verified purchase
      Staff

      Reviewed Aug. 31, 2026

      Very nice, will work with you as long as you will accept, they have helped me tremendously. Thanks guys. God bless.

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      Verified purchase

      Reviewed Aug. 30, 2026

      Nice. Thanks for taking my money. I’m still broke but now I’m broke and credit going up.

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      Verified purchase
      Punctuality & SpeedStaff

      Reviewed Aug. 30, 2026

      I am very happy that take care of this matter!! It was super fast and easy!!

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      Verified purchase
      Customer ServiceBilling

      Reviewed Aug. 30, 2026

      Actually a very easy way to pay off your credit cards. I kept avoiding but I knew I at some point had to respond. I'm glad I did. You won't be disappointed. Trust me.

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      Verified purchase
      Billing

      Reviewed Aug. 30, 2026

      Cool Experience. Reported My Payment Completion to the 3 credit Bureaus and raised my credit score. Thanks.

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      Verified purchase

      Reviewed Aug. 30, 2026

      It's easy to do and we saved lots of money. Thank you.

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      Verified purchase
      Ease of Use

      Reviewed Aug. 29, 2026

      Easy to use site. Had no problems with getting kicked off and starting all over.

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      Verified purchase
      Billing

      Reviewed Aug. 29, 2026

      Very straightforward process, without needing many digital signatures, or boxes checked. I appreciate the reduced payment demand, due to my financial hardship situation.

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      Verified purchase
      Billing

      Reviewed Aug. 29, 2026

      Was willing to work with me to find out a payment plan that I could afford.

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      Verified purchase
      StaffBilling

      Reviewed Aug. 29, 2026

      Halsted made the process so easy and offered fair and efficient payment options. Very grateful for their help.

      Thanks for your vote!
      Verified purchase

      Reviewed Aug. 29, 2026

      It's been easier to work with you all and awesome.

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      Verified purchase
      Refunds & PayoutsStaffBilling

      Reviewed Aug. 28, 2026

      Thank you. I appreciate Capital One for rewarding me this credit card. It was a lifesaver when I went on vacation. I appreciate the pay back system that you've created, it will really help me out by choosing my payments that I can customize.

      Thanks for your vote!
      Verified purchase
      Staff

      Reviewed Aug. 28, 2026

      They were very helpful and worked with extreme politeness and accuracy.

      Thanks for your vote!
      Halsted Financial Services
      Response from Halsted Financial Services

      Glenda, thank you for the 5-star review.

      Verified purchase
      Online & App

      Reviewed Aug. 28, 2026

      It was very easy filling out the forms online with the simple instructions.

      Thanks for your vote!
      Halsted Financial Services
      Response from Halsted Financial Services

      Dennis, we're glad we could make paying easier for you.

      Verified purchase
      Staff

      Reviewed Aug. 27, 2026

      They worked with me to get my debt paid off. They were extremely helpful.

      Thanks for your vote!
      Halsted Financial Services
      Response from Halsted Financial Services

      Garrett, thank you for the stellar 5-star review.

      Verified purchase
      StaffBilling

      Reviewed Aug. 27, 2026

      Thanks for doing a good job and giving me a fair and reasonable offer with weekly payments. I could not be happier except for perhaps tax guidance on the forgiven amount.

      Thanks for your vote!
      Halsted Financial Services
      Response from Halsted Financial Services

      Jeremy, thank you so much for the 5-star review! We appreciate your positive feedback.

      Verified purchase
      Billing

      Reviewed Aug. 26, 2026

      Easy to set up payment plan. Worked with my pay period.

      Thanks for your vote!
      Halsted Financial Services
      Response from Halsted Financial Services

      Katie, it's our pleasure to assist you. We're pleased we could help.

      Verified purchase
      Staff

      Reviewed Aug. 26, 2026

      I liked it because it helped me pay off my debt in short and convenient installments.

      Thanks for your vote!
      Halsted Financial Services
      Response from Halsted Financial Services

      Esthermarie, it's fantastic to know we could help.

      Verified purchase

      Reviewed Aug. 26, 2026

      I feel like if every recovery company was the same Halsted there would be less debt in the world. You make it simple. No hassle of someone talking down to you, just flat out here are your options, what do you want to do. I appreciate this company for the simple ease it made to pay of my debts and better my credit.

      Thanks for your vote!
      Halsted Financial Services
      Response from Halsted Financial Services

      Sarah, we appreciate your positive feedback about our services. Thank you for the review!

      Verified purchase
      Staff

      Reviewed Aug. 26, 2026

      This company is very understanding in my time of need. They made it possible for me to continue to improve my credit score while I'm still taking on responsibility. Thank you Halsted!

      Thanks for your vote!
      Halsted Financial Services
      Response from Halsted Financial Services

      Lucrecia, it’s our pleasure to assist you! We’re happy we could provide a helpful payment solution.

      Verified purchase
      Staff

      Reviewed Aug. 26, 2026

      Thanks for working with me and helping get my debt solved.

      Thanks for your vote!
      Halsted Financial Services
      Response from Halsted Financial Services

      Heather, your 5-star review is greatly appreciated.

      Verified purchase
      Staff

      Reviewed Aug. 26, 2026

      They were very patient with me until I could get back on my feet.

      Thanks for your vote!
      Halsted Financial Services
      Response from Halsted Financial Services

      Deborah, we're glad we could assist you.

      Verified purchase
      BillingHonesty & Transparency

      Reviewed Aug. 26, 2026

      Honestly I wish every bill or collections can go through this company. It’s super easy, flexible and doesn’t stress me out. I have never experienced something like this and I’m actually happy my previous lender sold to this company. Funny to say the least. Very happy.

      Thanks for your vote!
      Halsted Financial Services
      Response from Halsted Financial Services

      Samantha, we appreciate your review. We're happy we could work with you toward a helpful resolution.

      Verified purchase
      Customer ServicePunctuality & SpeedStaff

      Reviewed Aug. 25, 2026

      Jacob at the Lebanon branch was amazing. He explained everything to me thoroughly and made it quick and understandable. They are so kind at the Lebanon branch and even can help you over the phone.

      Thanks for your vote!
      Halsted Financial Services
      Response from Halsted Financial Services

      Erica, it’s our pleasure to assist you! Thank you for the review.

      Verified purchase
      PriceBilling

      Reviewed Aug. 25, 2026

      I love how it was so simple to get set up with affordable payments. No talking to anyone. No arguing. Just a simple plan set up online. Many to choose from and now it’s done and will be paid off by January instead of probably never.

      Thanks for your vote!
      Halsted Financial Services
      Response from Halsted Financial Services

      Tammy, we're happy to hear the payment process worked well for you. Thanks for the review.

      Verified purchase
      PriceStaffBilling

      Reviewed Aug. 25, 2026

      Really helped me out in a time were money is tight on helping me get a credit card paid down with easy cheap payments.

      Thanks for your vote!
      Halsted Financial Services
      Response from Halsted Financial Services

      Narman, thank you for taking the time to leave us a review.

      Verified purchase
      Staff

      Reviewed Aug. 25, 2026

      Amazing to work with and very helpful, didn't felt rushed to pay.

      Thanks for your vote!
      Halsted Financial Services
      Response from Halsted Financial Services

      Juan, it’s our pleasure to assist you! Thank you for the review.

      Verified purchase
      Contract & TermsPunctuality & SpeedBilling

      Reviewed Aug. 24, 2026

      Fast and easy, this process was pain free and they worked with me on a payment arrangement that fit my budget. I highly recommend.

      Thanks for your vote!
      Halsted Financial Services
      Response from Halsted Financial Services

      Jamie, we appreciate your stellar 5-star review.

      Verified purchase
      Customer ServiceRefunds & PayoutsStaffBilling

      Reviewed Aug. 24, 2026

      I’m really happy with how I was contacted by email (no stressful repeat calls or aggressive emails) with a fantastic offer and payment plan for the debt I owe. This company had made it possible for me to pay my debts without struggling and gives me hope for the future of being debt free.

      Thanks for your vote!
      Halsted Financial Services
      Response from Halsted Financial Services

      Dana, thank you for the glowing 5-star review. We're glad we could assist you.

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      Halsted Financial Services Company Information

      Company Name:
      Halsted Financial Services
      Website:
      halstedfinancial.com