Kansas Fair Debt Collection Practices Act
The Kansas Fair Debt Collection Practices Act, together with other Kansas's consumer protection laws and the Federal Fair Debt Collection Practices Act, can help stop harassing phone calls and letters from debt collectors and creditors. These laws can also help stop creditors and debt collectors from contacting your employer, neighbors and family regarding your debt and, in some instances, even provide monetary damages to consumers who have been victimized by unfair debt collection procedures in the state of Kansas.
If your consumer rights have been violated by illegal or abusive tactics, contact a Fair Debt Lawyer today for a free case consultation. Owing a debt does not give a debt collector the right to treat you unfairly.
KANSAS DEBT COLLECTOR REGULATION STATUTE
Chapter 16a.--CONSUMER CREDIT CODE
Part 1 LIMITATIONS ON CREDITORS' REMEDIES
Article 5.--REMEDIES AND PENALTIES
Kansas Fair Debt Collection Practices Act 16a-5-107. (UCCC) Extortionate extensions of credit. (1) If it is the understanding of the creditor and the consumer at the time an extension of credit is made that delay in making repayment or failure to make repayment could result in the use of violence or other criminal means to cause harm to the person, reputation, or property of any person, the repayment of the extension of credit is unenforceable through civil judicial processes against the consumer.
(2) If it is shown that an extension of credit was made at an annual rate exceeding thirty-six percent (36%) calculated according to the actuarial method and that the creditor then had a reputation for the use or threat of use of violence or other criminal means to cause harm to the person, reputation, or property of any person to collect extensions of credit or to punish the nonrepayment thereof, there is prima facie evidence that the extension of credit was unenforceable under subsection (1).
