Topics
Filter your results
Related Articles
Selected 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.
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.
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.
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/
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:
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.
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.
This brochure talks about your options as a consumer when debt or debt collection becomes too much to handle.
Nearly all of the 2 to 3% of the households who are behind on their bills were current until they faced a sudden blow to their wallets. Such blows include job loss, illness or other setbacks. Sometimes it is tempting to give in to the daily appeals in their mailbox to borrow, borrow, borrow.
To help consumers, the feds and states have laws to stop abuse, deceit and unfair practices by debt collectors.
Find out more in the brochure below.
Housing & Credit Counseling Inc.(HCCI) 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.
1 - 10 of 11 Results
Filter by Topic
- Abuse and Stalking (13)
- Bankruptcy (2)
- Child Support (6)
- Consumer (6)
- (-) Debt and Debt Collection (8)
- Disability (5)
- Discrimination (4)
- Divorce (12)
- Driver's License (7)
- Drug Registry (1)
- Emeritus Attorneys (1)
- (-) Employment (3)
- Expungement (7)
- Family Law (7)
- Foreclosure Prevention (3)
- Free Legal Forms (3)
- Garnishment (2)
- Guardianship & Conservatorship (2)
- Health (4)
- Housing (15)
- Identity Theft (4)
- Juveniles (4)
- Kids2Kin (2)
- Legal Questions and Answers (23)
- Legal Self-Help (22)
- Medical Debt (3)
- Mental Health (2)
- Name Change (3)
- Paternity (2)
- Power of Attorney, Advance Directives, Health Care Power of Attorney, Do Not Resuscitate (DNR) Orders (4)
- Pro Bono Resources (2)
- Public Benefits (4)
- Quiet Title (1)
- Request to Waive Filing Fees (1)
- Services for Seniors (7)
- Small Claims Court (2)
- Social Security (4)
- Tax Issues (2)
- Very Small Estates in Kansas (1)
- Veterans/Military (4)
- Wills (3)
Filter by Topic
- Abuse and Stalking (13)
- Bankruptcy (2)
- Child Support (6)
- Consumer (6)
- (-) Debt and Debt Collection (8)
- Disability (5)
- Discrimination (4)
- Divorce (12)
- Driver's License (7)
- Drug Registry (1)
- Emeritus Attorneys (1)
- (-) Employment (3)
- Expungement (7)
- Family Law (7)
- Foreclosure Prevention (3)
- Free Legal Forms (3)
- Garnishment (2)
- Guardianship & Conservatorship (2)
- Health (4)
- Housing (15)
- Identity Theft (4)
- Juveniles (4)
- Kids2Kin (2)
- Legal Questions and Answers (23)
- Legal Self-Help (22)
- Medical Debt (3)
- Mental Health (2)
- Name Change (3)
- Paternity (2)
- Power of Attorney, Advance Directives, Health Care Power of Attorney, Do Not Resuscitate (DNR) Orders (4)
- Pro Bono Resources (2)
- Public Benefits (4)
- Quiet Title (1)
- Request to Waive Filing Fees (1)
- Services for Seniors (7)
- Small Claims Court (2)
- Social Security (4)
- Tax Issues (2)
- Very Small Estates in Kansas (1)
- Veterans/Military (4)
- Wills (3)
Related Articles
Selected 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.
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.
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.
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/
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:
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.
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.
This brochure talks about your options as a consumer when debt or debt collection becomes too much to handle.
Nearly all of the 2 to 3% of the households who are behind on their bills were current until they faced a sudden blow to their wallets. Such blows include job loss, illness or other setbacks. Sometimes it is tempting to give in to the daily appeals in their mailbox to borrow, borrow, borrow.
To help consumers, the feds and states have laws to stop abuse, deceit and unfair practices by debt collectors.
Find out more in the brochure below.
Housing & Credit Counseling Inc.(HCCI) 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.
1 - 10 of 11 Results