Debt collector laws in Kansas
How the Kansas Consumer Protection Act (no separate debt collection act) protects you, beyond the federal FDCPA, plus licensing and complaints in Kansas.
Short answer
Kansas has its own debt collection law: the Kansas Consumer Protection Act (no separate debt collection act). It also covers original creditors collecting their own debts. File complaints with Kansas Attorney General, Consumer Protection Division or the CFPB.
- State law
- Yes
- Covers original creditors
- Yes
- License required
- Not confirmed
- Extra protections listed
- 1
Kansas's collection law
- State law
- Kansas Consumer Protection Act (no separate debt collection act)
- Law
- K.S.A. 50-623 et seq.
- Covers original creditors
- Yes
- Official text
- Read the law
Kansas is one of 22 states in our 48 state guides whose law also covers original creditors collecting their own debts.
Can you sue a collector under Kansas law?
Yes, under the Consumer Protection Act. A consumer harmed by a violation can sue for actual damages or a civil penalty of up to $10,000 per violation, whichever is greater (K.S.A. 50-634(b), 50-636(a)). You can also ask a court to declare a practice illegal or to stop it (K.S.A. 50-634(a)).
The federal FDCPA adds a claim of its own: actual damages, up to $1,000 more and attorney's fees, if you sue within 1 year (15 U.S.C. 1692k).
Licenses for collection agencies in Kansas
- License required
- Not confirmed
- Who licenses
- No general collection agency license found. But a company that takes assignments of certain consumer loans ('supervised loans') and collects them or enforces them must hold a supervised lender license from the Office of the State Bank Commissioner (K.S.A. 16a-2-301(1)(b)).
In nearby states
Extra Kansas protections
- The Consumer Protection Act defines a "supplier" as anyone who "solicits, engages in or enforces consumer transactions, whether or not dealing directly with the consumer" (K.S.A. 50-624). This wording can reach businesses that collect consumer debts, including their own.
Also in Kansas
- If your account was sold or assigned to a debt buyer or collection agency, Kansas law says that company can't use wage garnishment against you (K.S.A. 60-2310(d)).
Where to complain in Kansas
- Kansas: Kansas Attorney General, Consumer Protection Division
- Federal: the Consumer Financial Protection Bureau takes complaints about debt collectors at consumerfinance.gov/complaint · (855) 411-2372.
- You can also report a collector to the Federal Trade Commission at ReportFraud.ftc.gov.
Steps against an abusive collector in Kansas
Keep a record
Log each call (date, time, who) and keep every letter, voicemail and text.
Identify the collector
Get the collector's full name, address and any license number.
Send a letter
Use a letter to dispute a debt or to stop collector calls; keep a copy and the mailing receipt.
Report the collector
Complain to Kansas Attorney General, Consumer Protection Division. You can also complain to the CFPB at consumerfinance.gov/complaint.
Know your right to sue in Kansas
Under Kansas law: Yes, under the Consumer Protection Act. A consumer harmed by a violation can sue for actual damages or a civil penalty of up to $10,000 per violation, whichever is greater (K.S.A. 50-634(b), 50-636(a)).
Questions about collector laws in Kansas
Does Kansas have its own debt collection law?
Yes: the Kansas Consumer Protection Act (no separate debt collection act) (K.S.A. 50-623 et seq.). It also covers original creditors collecting their own debts.
Who takes complaints about collectors in Kansas?
Kansas Attorney General, Consumer Protection Division: https://ag.ks.gov/divisions/consumer-protection
Does Kansas law let me sue a collector?
Yes, under the Consumer Protection Act. A consumer harmed by a violation can sue for actual damages or a civil penalty of up to $10,000 per violation, whichever is greater (K.S.A. 50-634(b), 50-636(a)). You can also ask a court to declare a practice illegal or to stop it (K.S.A. 50-634(a)).
What extra rules do collectors face in Kansas?
The Consumer Protection Act defines a "supplier" as anyone who "solicits, engages in or enforces consumer transactions, whether or not dealing directly with the consumer" (K.S.A. 50-624). This wording can reach businesses that collect consumer debts, including their own.
Related Kansas pages
- All debt collection rights in Kansas
- Statute of limitations in Kansas: 5 years
- Wage garnishment in Kansas: 25% (federal limit)
- Sued by a debt collector in Kansas: date on the summons
- “Is my debt too old?” checker for Kansas
- Dispute a debt and ask for proof (validation letter)
- Tell a collector to stop or limit contact
- Debt collector licensing by state
- Guide: how to dispute a debt
- Guide: how to stop collector calls