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Employment Foreclosure Prevention Debt and Debt Collection Clear All Filters

This client-focused handout contains information and tips about how to handle a call from a collector or someone collecting a debt on another's behalf. Here are two helpful videos on dealing with debt collection, and how to talk with a debt collector.

Debt and Debt Collection

Foreclosure Prevention - KLS can Help

Mortgage help First things first: There is free foreclosure help. If anyone tries to charge you in advance for help or guarantees that they can stop your foreclosure, they’re not legitimate. If you’re behind on your mortgage, or having a hard time making payments, we want to help.

Foreclosure Prevention

All About Reverse Mortgages

Frequently asked questions about reverse mortgages, loans that allow homeowners get access to their home equity as cash.

Foreclosure Prevention

We help with foreclosures

I can’t make my mortgage payments. How long will it take before I’ll face foreclosure? Answer: The legal foreclosure process generally can’t start during the first 120 days after you’re behind on your mortgage. After that, once your servicer begins the legal process, the amount of time you have until an actual foreclosure sale varies.

Foreclosure Prevention

Credit Report Dispute Letter

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.

Debt and Debt Collection

Stop Contact Letter

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.

Debt and Debt Collection

Break down barriers to employment and housing with legal help

Some employers and landlords check into your background before deciding whether to hire you or keep you on the job, or rent to you. When they do a background check, you have legal rights under federal law. This page talks mostly about legal rights when applying for jobs. It’s important to know whom to contact if you think someone has broken the law related to background checks. Learn about your housing rights under the Fair Housing Act.

Employment

Kansas Job Link

This is KANSASWORKS - your best source for posting and finding jobs in the state of Kansas. Whether you're looking for that perfect job, that perfect employee or information on an industry or workforce, KANSASWORKS for you. And it works absolutely free. https://www.kansasworks.com/

Employment If You Lose Your Job Work Support

KLS Videos on Your Rights in Debt Collection and Dealing with Debt Collectors

Check out two videos to help you know your rights in debt collection and also how to deal with debt collectors. The links are here:

Debt and Debt Collection

Surviving Debt: Two Essential Rules for Surviving Debt

Rule #1: Prioritize Debts Whose Non-Payment Immediately Harms Your Family Non-payment of certain debts have sudden and dire consequences for your family. Deal with these debts immediately—either pay these debts first or otherwise follow advice here on how to manage these debts. Never pay smaller, low priority debts just because you cannot keep up with high priority debts—“If I can’t pay my mortgage, at least I will keep up with my credit cards.” This is a bad idea.

Debt and Debt Collection