The driving force behind the operations of KLS Financial Services is to create a “Win-Win-Win” scenario in which: 1) Our clients recover money fairly and justly owed to them. 2) The consumers we interact with are provided quality customer service and offered affordable solutions to paying down those honest and just debts, while also provided a means of learning methods to get back on a solid track to financial literacy. 3) KLS can make adequate returns on our capital to insure sustainability of our operations, employees and philanthropic goals.