Kansas Fair Debt Collection Practices Act
The pressure that a debt collector can put on a person can be
unbearable. Sometimes it is hard to make ends meet, and the
added stress of collectors coming for their money is
unnecessary. Consumers are provided protection from
harassment and abuse through the Fair Debt Collection Practices
Some states have enacted additional protections with state laws
designed to further protect consumers from unfair and harassing
conduct. In Kansas, consumers are protected by a few different
state laws. The laws cover creditors and the extensions of
consumer credit. The Kansas debt law prohibits "extortionate"
extensions of credit wherein it is understood that if repayment is
delayed, there may be violent or criminal means to harm the person
or property of the debtor.
Kansas also has enacted the Kansas Consumer Protection Act (KSA
50-623 to 50-636). This statute also applies to "suppliers"
which has been held to include creditors and collectors. The KCPA
prohibits conduct which would be deemed an "unconscionable"
collection practice. A consumer who is a victim to a
violation of this Act may obtain injunctive relief, and may recover
statutory damages of up to $10,000 plus attorneys fees.