How to Find Debt Resolution in Kansas

Cattle roam through the wheat fields of Kansas fueling two of the state’s most important industries.

Kansas has always been a rich and fertile land for hunting. Bison were the predominant species that fed and clothed Native Americans before Spanish invaders bullied their way in and started an unprecedented slaughter of the great beast eight decades before white settlers landed at Plymouth Rock.

The land that would become Kansas officially became a United States territory as part of the Louisiana Purchase in 1803.

The state may be best known for its flat, rolling land, herds of cattle and the home of Dorothy in the “Wizard of Oz”, but it also has historical roots in the Civil Rights movement. The landmark 1954 Brown v. The Board of Education of Topeka decision saw the Supreme Court decide that “separate but equal” rules would now prevail in all public schools.

Today, Kansas thrives on agriculture with a $20 billion production of such exports as wheat, beef and grain sorghum. Kansas also has a robust alternate energy industry with wind and other renewable fuels leading the charge.

The Overall Debt Situation in Kansas

Kansas ranks below half the nation at Number 33 in the debt parade. Part of that is due to a higher credit score for Kansas residents above the national average at 680. The most worrisome aspect is that Kansas’ overall debt, including credit card debt, jumped by 40 percent in the past four years.

Student loan debt is relatively modest at just $11.5 billion for the state. Although a densely populated state, cities like Topeka, Wichita, Overland Park and Kansas City, Kansas, make up the largest rural areas where the most debt is accumulated.

Kansas Debt Fast Facts

  • Population: 2.9 million
  • Median Household Income: $58,218
  • Average Credit Score: 680 (the national average is 669)
  • Average Credit Card Debt: $7,040
  • Average Student Loan Debt: $31,006
  • State Debt Total: $5.5 billion

Debt Relief Laws That Protect Kansas Residents

Disclaimer: The information shared herein is intended to be a free resource for Kansas consumers looking to dismiss debt and does not constitute legal advice.

Whether battling credit card debt, medical debt or private student loan debt, Kansas has long been known for passing debt resolution laws that aggressively protect its citizens.

If you are embroiled in a deepening debt situation in Kansas, Resolvly can help find an expert team of seasoned debt resolution lawyers to get debt advice that might eliminate debt or at least dismiss debt as soon as possible.

The Fair Debt Collection Practices Act

There are many ways to find debt relief and fight harassing debt collectors and avoid or defend a debt lawsuit. In one case, every consumer has specific debt dismissal rights invoking the federal laws outlined in the Fair Debt Collection Practices Act (FDCPA).

The FDCPA as it relates to Kansas residents specifies how to eliminate debt by enforcing your consumer rights against harassing debt collectors. For example, a collector can only call an individual between the local hours of 8am and 9pm. In addition, collectors cannot harass individuals or threaten a citizen with bodily harm or the potential of arrest.

Kansas locals in debt also have the ability to stop collectors from repeat callings by sending a physical letter to the agency requesting a cease and desist from the pestering calls. If the FDCPA is violated, a debt resolution company can find you debt defense attorneys who can help you get out of debt and also seek damages and attorney fees.

The Fair Credit Reporting Act

Another consumer protection law designed to assist Kansas residents from false or misleading credit information is the Fair Credit Reporting Act (FCRA) which can protect consumers against credit card debt becoming a lawsuit. The FCRA protects the privacy and accuracy of your personal credit history. If an entity violates your rights outlined in the FCRA, there are legal actions that could not only dismiss debt, but earn monetary damages in addition to the recoupment of attorneys’ fees.

The statute of limitations for debt collection and thus debt dismissal is five years in Kansas. There are other debt collection acts unique to the state of Kansas that a debt resolution attorney can use to defend you in case of a debt lawsuit.

Let Resolvly Find The Right Debt Relief Lawyer

When it comes to dealing with debt – whether medical debt or credit card debt – ignoring the problem won’t make it go away. Utilizing the debt relief legal referral service of Resolvly, can help you hire a lawyer to get out of debt by helping you understand your specific circumstances, and clear the path to debt relief and debt resolution.

We work with consumer protection lawyers trained in debt relief to protect your rights, fight harassing debt collectors and hopefully eliminate debt completely.

Resolvly helps you hire a lawyer to help dismiss debt so that you can live debt free. Our goal is to help you attain true financial freedom and debt resolution. We offer a free consultation designed to refer you to a consumer defense attorney who will work to eliminate your debt. Simply call 866-955-5047 to speak with a debt freedom specialist who will help guide you on the path toward debt resolution so you can once again be debt free.

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