Find Collection Agencies in Kansas

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List of collection agencies in Kansas.

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• • National Credit Adjusters (NCA) : Hutchinson
  • Central States Recovery (CSR) : Hutchinson
  • Account Recovery Specialists Inc (ARSI) : Wichita
  • Midwest Service Bureau (MSB) : Wichita
  • CCI Collects : Kansas City
  • Haase and Long : Lawrence
  • Kansas Counselors Inc (KCI) : Lenexa
  • AIH Receivables : Mission
  • Affiliated Management Services (AMS) : Mission
  • Sure Check Brokerage : Salina
  • Credit World Services : Mission
  • Berlin-Wheeler Inc : Topeka

Debt Collection Laws in Kansas

Here are some relevant federal and state laws that were in effect as of 2021:

1. Fair Debt Collection Practices Act (FDCPA): This federal law protects consumers from abusive, deceptive, or unfair debt collection practices. It sets limitations on when and how debt collectors can contact consumers and gives consumers the right to dispute debts and obtain information about the debts.
2. Fair Credit Reporting Act (FCRA): Another federal law, the FCRA regulates the collection and use of consumer credit information. It provides consumers the right to access their credit reports and to dispute any inaccuracies.
3. Kansas Consumer Protection Act: This state law provides protections for consumers against deceptive and unconscionable practices, including in debt collection. Like the FDCPA, it prohibits false or misleading representations and unfair practices in the collection of consumer debts.
4. Statute of Limitations in Kansas: In Kansas, there is a time limit for when creditors can sue consumers for unpaid debts. As of 2021, the statute of limitations for written contracts was five years, and for open accounts such as credit cards, it was three years.
5. Kansas Garnishment Laws: If a creditor obtains a court judgment against a debtor in Kansas, they can garnish the debtor’s wages or bank accounts. Kansas law limits the amount that can be garnished to the lesser of 25% of the debtor’s disposable earnings or the amount by which the debtor’s disposable earnings exceed 30 times the federal minimum wage.
6. Exemptions in Kansas: Kansas has laws that protect certain types of property from being taken by creditors to satisfy a debt judgment. These include a homestead exemption, personal property exemptions, and exemptions for certain types of income and benefits.
7. Licensing and Bonding Requirements: In Kansas, debt collectors must be licensed and bonded. The licensing process is handled by the Office of the State Bank Commissioner.
8. Notification Requirements: Similar to the FDCPA, debt collectors in Kansas must provide consumers with a written notice containing information about the debt, the name of the creditor, and informing the consumer of their right to dispute the debt.

Please make sure to verify the most current legal information or consult an attorney or legal advisor with expertise in debt collection laws in Kansas for the most up-to-date details on debt collection laws in the state.

Kansas has several companies which make it into the Fortune 1000 list. Small businesses and medical practitioners often hire a debt collection agency to recover money from unpaid bills and improve their cash flow.

A collection agency licensed to recover money in Kansas can recover money all across the state, including the cities of Wichita, Overland Park, Kansas City, Olathe, Topeka, Lawrence, Shawnee, Manhattan, Lenexa, and Salina. They must follow all the Debt Collection Laws or the FDCPA. Debt collectors in KS can garnish up to  25% of the debtor’s disposable earnings once they get a favorable judgment from the court. Collection agencies can assist doctors, small businesses, and commercial entities in recovering money from their debtors very efficiently.