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Kansas Legal Services
712 S. Kansas Ave
Suite 200
Topeka, KS 66603
Ph. 785-233-2068
Fx. 785-354-8311
TDD# 785-233-4028

Marilyn M. Harp
Executive Director

Public Law Library

Keyword Search in Debt and Debt Collection
    • Consumer Consumer - Automobile, Bankruptcy, Debt and Debt Collection ...
      • Debt and Debt Collection Debt and Debt Collection
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        Document Basic Garnishment Information - Fox News site that gives some very basic information on wage garnishment in Kansas. The information is accurate and provides additional links to special situations for the computation of a garnishment.  Consumer Laws
        Document Claim of Exemption - File this form when your income is exempt from garnishment in a collections matter.  Disability Rights
        Credit
        Document Debt Collection Information - This brochure discusses your options as a consumer when debt or debt collection becomes overwhelming. Nearly all of the 2 to 3% of the households who are behind on their bills were current until they faced a financial catastrophe like unemployment, illness, disability, or succumbing to the daily exhortations in their mailbox to borrow, borrow, borrow. Recognizing this, federal and many states’ laws require that financially distressed consumers not be abused, deceived or treated unfairly. 
        Document Fair Debt Collection in Kansas - The State Attorney General oversees the Fair Debt Collection Act in Kansas. This link gives information on the act, links to frequently asked questions and an on-line complaint form if you believe your rights have been violated. Remember that your legitimate debts cannot be erased but the collector must proceed fairly under the laws of the State  Consumer
        Document Kansas Housing and Consumer Counseling - The Credit Counseling Program is available in person at Topeka, Lawrence, Manhattan and Emporia office locations. The "contact us page" provides both the address and phone number to find locations and schedule an appointment. Interviews are confidential and can be held in person, by phone, mail or Internet. No one is turned away because of inability to pay. This service is available to anyone regardless of race, sex, creed, color, and/or social or financial position. The counselor will help you determine if you will be eligible for a debt repayment plan.  
        Document Legal Rights During and After Bankruptcy - Bankruptcy is a choice that may help if you are facing serious financial problems. You may be able to cancel your debts, stop collection calls, and get a fresh financial start. Bankruptcy can help with some financial problems, but does not guarantee you will avoid financial problems in the future. If you choose bankruptcy, you should take advantage of the fresh start it offers and then make careful decisions about future borrowing and credit, so you won’t ever need to file bankruptcy again!  Bankruptcy
        Document Payday Loan Information - In recent years, the majority of mainstream lenders have left the small loan market, leaving a vacuum being filled by companies offering payday loans. These are extremely high interest loans that extend until the borrower's next pay check. This article discusses the ways in which payday loans negatively affect low income families who are least able to get other types of credit.  Payday Lenders
        Document Request no further contact from creditor - This letter can be sent to a bill collector or creditor when you wish no further directcontact from them attempting to collect the debt. A debtor is allowed to make this request under the Fair Debt Collection Act. NOTE: The collector may choose to file a law suit as the debtor as a response to this letter, since that type of contact is not covered by this letter. No type of communication can prevent a creditor from filling a collection action.   Consumer
        Document Using Credit Wisely - This brochure discusses how to use your credit in a way that avoids bankruptcy and things to think about before you use a credit card. It is very specific about what to look for before you get a new credit card and how to use an existing card. It even discusses how to avoid unnecessary fees and charges.  Bankruptcy
        Document Wage Garnishment - This site has wage garnishment for many states, including Kansas. It has only basic information and does not apply to a garnishment for child support, only debts. 

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