In Kansas—from the aviation manufacturing giants of Wichita and the tech corridors of Overland Park to the agricultural heartlands of Western Kansas—cash flow is the lifeblood of the “Sunflower State.” But Kansas is not a “one-size-fits-all” legal environment. With a unique Wage Garnishment Shield and mandatory “Right to Cure” notices, standard collection tactics don’t just fail here—they can lead to costly lawsuits against you. Nexa is a Kansas-compliance powerhouse.
Nexa provides 100% reputation-safe, equipped with all 50-state collections license, offering free credit reporting, free litigation/bankruptcy scrubs, and zero onboarding fees. Secure – SOC 2 Type II & HIPAA compliant.
Need a Collection Agency? Contact us
The Kansas Legal Landscape
Kansas law heavily favors the “original creditor.” If your agency doesn’t understand the difference between a written contract and an open account, your debt could become legally uncollectible in as little as 36 months.
| Debt Type | Statute of Limitations | Kansas Statute (K.S.A.) |
| Written Contracts | 5 Years | K.S.A. § 60-511 |
| Oral / Open Accounts | 3 Years | K.S.A. § 60-512 |
| Medical Debt | 3-5 Years | Varies by Agreement Type |
| Wage Garnishment | ORIGINAL CREDITORS ONLY | K.S.A. § 60-2310 |
Critical Kansas Rules for 2026:
-
The Garnishment Shield: Kansas law is unique; while original creditors can garnish up to 25% of wages, many courts bar debt buyers from this power. Nexa acts as your direct representative to ensure this legal tool remains available.
-
Notice of Right to Cure: Under K.S.A. 16a-5-110, you must provide a consumer with a 20-day notice to “cure” their default before escalating. Skipping this step can void your entire collection effort.
-
Medical Interest Caps: Kansas medical debt is subject to strict transparency rules. Nexa focuses on mediation to preserve patient-provider relationships in Wichita and KC medical districts.
Cost-Effectiveness: The Nexa Advantage
-
Fixed-Fee Recovery ($15/account): Ideal for early-stage accounts. Debtors pay 100% directly to you. No commissions taken.
-
Contingency Service (20%–40%): Our “No Recovery, No Fee” model. We take the risk; you get the results.
Industries We Serve in Kansas
-
Manufacturing & Logistics (Aviation & Steel): Specialized B2B recovery for Wichita’s aerospace sector and KC’s automotive plants. We handle high-value freight brokerage and warehousing disputes.
-
Healthcare & Medical: 100% HIPAA-compliant recovery for hospitals and specialty clinics. We stay ahead of 2026 transparency rules, ensuring your right to collect via mediation.
-
Colleges & Universities: Specializing in tuition fee recovery and bursar accounts for Kansas’ extensive higher-ed network. We balance firm tactics with a focus on student retention.
-
K-12 Private & Charter Schools: Managing unpaid enrollment and textbook fees. We offer a sensitive, diplomatic approach tailored for local Kansas communities.
-
Accountants & CPA Firms: Recovery of professional service fees. We understand the “net-30” billing cycle and use professional mediation to ensure you get paid without damaging client rapport.
-
Banks & Credit Unions: Expert handling of delinquent consumer loans and deficiency balances. We utilize Kansas’ specific judgment tools to secure repayment.
-
Construction & Trades: Revenue recovery for HVAC, solar, and general contractors. We are experts in K.S.A. 60-1101 (Mechanic’s Liens) and strict 3-4 month filing windows.
-
B2B Commercial, Restoration & Waste Management: High-speed recovery for service-based businesses that can’t afford to wait 90 days for payment.
Recent Kansas Recovery Results
Case 1: Wichita Specialty Clinic (Medical)
-
The Problem: $115,000 in aging patient debt. The clinic was worried about the 3-year “open account” statute.
-
The Result: Nexa recovered $78,000 in 75 days using a “soft-touch” mediation strategy that resulted in zero patient complaints.
Case 2: Overland Park Tech Supplier (B2B)
-
The Problem: A $52,000 unpaid contract from a vendor who claimed “cash flow issues.”
-
The Result: Leveraging Kansas’ 5-year written contract statute, we secured a full $52,000 settlement within 30 days of the “Right to Cure” notice.
Frequently Asked Questions (FAQ)
1. Can a debt collector garnish my wages in Kansas?
Kansas law is very strict; while original creditors (the business you owe) can garnish wages, many third-party collectors cannot. Nexa works as your partner to ensure the strongest legal leverage is applied.
2. What is the “Notice of Right to Cure” in Kansas?
It is a mandatory 20-day grace period that must be given to a consumer before any legal action can be taken. Nexa’s system automates this notice to ensure you stay 100% compliant.
3. Does the $15 service include credit reporting?
Yes. For eligible accounts, our $15 fixed-fee service includes professional demand letters and reporting to major credit bureaus.
Get a Free Kansas Recovery Analysis & 50-State Data Scrub
Popular cities: