Where are you located?

Our corporate office is located in Morrisville, NC.

How do I make a payment?

Click the “make a payment” button at the top right corner of the page. Follow the steps to make your payment through our online portal. You can also mail a check or money order, with your account number, to the address on our contact page. Need help? Call us toll-free at 800-326-3734 or locally at 919-861-2400 and we are more than happy to assist you.

How can I find my account number?

Account numbers are listed on all written correspondence from our company. If you do not know your account number and you are trying to pay online, feel free to call us and we are happy to give you your account number and help process your payment. If it is after hours you can substitute your account number with your phone number, area code included.

Do you accept payment plans?

KLS will allow pre-authorized payment plans based on need. All payment plans must meet our client’s terms for repayment.

Can I pay with my HSA or FLEX card?

Yes, however, our online portal is not yet equipped to take this form of payment. Please call us and a representative can help process that payment over the phone.

How do I get a receipt?

Receipts are mailed out after payments have fully processed through your financial institution. You can also request a receipt via email to

Can I come to your office?

If you need to visit us for any reason, please make an appointment with your assigned account representative.

How do I contact a supervisor?

Call our office during normal business hours and request to speak with a supervisor.

How do I let KLS know that they have the wrong phone number?

Call us and give us the phone number that we dialed and a representative can verify and delete any incorrect account information.

What are your office hours?

Monday 8am to 7pm EST

Tuesday-Wednesday 8am to 5:30 pm EST

Thursday 8am to 7pm EST

Friday 8am to 5:30 pm EST

Why didn’t I get a bill for this?

Unfortunately, we don’t have records or access to what the original creditor may have sent you. KLS sends a bill to the last address provided to the original creditor.

Are collectors allowed to threaten or curse at me?

Absolutely not. KLS holds all employees to the highest of standards. We follow all federal guidelines for fair debt collection, which means we will inform you of the collection process as required by law. If one of our collectors has broken these standards, please let us know.

What if I’m a victim of identity theft?

Send us a filed police report immediately so we can investigate your concern as quickly as possible to determine the validity of the debt.

How do you report to the credit bureaus?

We update consumer payments, returns, and delinquent accounts monthly. Most accounts are eligible to report to the credit bureaus after 30 days of placement with us.