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On Your Own: Guide to Your Legal Rights and Responsibilities as an Adult is prepared as a public service. It was put together by the Kansas Bar Association and the Kansas Bar Foundation.
Article by Paul Shipp of Kansas Legal Services
The number of Payday lenders has grown at an oddly rapid rate over the past few decades, mainly in low income areas. Typically these lenders market directly to low income borrowers, notably those on a steady, fixed, and certain income. Borrowers are often at or below the poverty level; many live off only fixed incomes and are elderly or disabled.
What is Emancipation?
Emancipation means you are legally separated from your parents or guardian and do not have to live with them.
The law in Kansas emancipates you when you are 18 years old.
Having a baby does not make you legally emancipated.
Your parents cannot emancipate you so they are no longer legally responsible for financially providing for you.
It is possible to become emancipated prior to the age of 18, which is called an Emancipated Minor.
Your credit score is a tool businesses use to measure your creditworthiness - how likely it is that you will repay a loan. Equifax, Experian and Transunion each compile a report of your credit history to determine your credit score. Occassionally, there will be errors in your credit history that will adversely effect your credit score and your ability to borrow money.
The Fair Debt Collections Practices Act is a federal law that requires collection agencies to stop contacting you if you send them a letter stating that you wish to stop contact. Complete the interview in the link below to create this letter.
Stop Contact Letter Interview
Creditors still have the option of pursuing legal action against you. This will not make your debt go away.
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