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Debt collection rights in Kansas

Statute of limitations

Written contracts
5 years
Open accounts
3 years

Citation: Kan. Stat. Ann. §§ 60-511(1), 60-512

Reference information compiled August 7, 2026 from multiple secondary sources; the citation has not yet been verified against primary statute text. Which period applies to a particular debt, and when it started, can depend on the kind of debt, the agreement, when the account defaulted, which state's law governs, and whether anything paused or restarted the clock. Do not make a payment on, or acknowledge, a debt you think may be old without speaking to an attorney first: in many states that restarts the clock.

Your federal rights, in Kansas as everywhere

Collectors may not call at inconvenient hours15 U.S.C. § 1692c(a)(1); 12 CFR 1006.6(b)(1)

  • Without your consent, a debt collector may not contact you at a time it knows or should know is inconvenient to you.
  • Unless it knows your circumstances are different, it must assume the only convenient hours are between 8 a.m. and 9 p.m. in your local time, every day of the week.
  • Log any call outside those hours with its exact time. A call outside them, without your consent, is presumed to be at an inconvenient time under Regulation F.

Harassment and abuse are prohibited15 U.S.C. § 1692d; 12 CFR 1006.14

  • A collector may not call repeatedly or continuously with intent to annoy, abuse, or harass.
  • Regulation F presumes a violation where a collector places more than seven calls about one debt in seven consecutive days, or calls within seven days of a telephone conversation about that debt.
  • Obscene or profane language is prohibited, and so are threats of violence or harm to you, your property, or your reputation.
  • Publishing your name on any list of consumers who allegedly refuse to pay is prohibited.

False or misleading statements are prohibited15 U.S.C. § 1692e

  • A collector may not claim you will be arrested or jailed for not paying a consumer debt.
  • A collector may not misrepresent the amount, character, or legal status of a debt.
  • A collector may not pretend to be an attorney or a government agency.
  • A collector may not threaten legal action it does not intend to take or cannot legally take.

You can demand verification of the debt15 U.S.C. § 1692g; 12 CFR 1006.34

  • Within five days of first contacting you, a debt collector must send a written validation notice, unless that information was already in the first communication.
  • If you dispute the debt in writing within thirty days of receiving that notice, the collector must stop collecting until it mails you verification of the debt or a copy of a judgment against you.
  • Verification means the collector confirms the debt and the amount claimed. The statute does not entitle you to a signed contract or a full payment history, though you may ask for them, and this application's letters ask as a request rather than a demand.
  • These rules bind a debt collector, meaning a party collecting a debt owed to someone else. A creditor collecting its own account is not one.

You can order a collector to stop contacting you15 U.S.C. § 1692c(c)

  • If you tell a collector in writing to stop contacting you, it must stop once it receives the letter.
  • After that, it may contact you only to say it is ending collection, to tell you that it or the creditor may invoke a specified remedy, or to tell you it intends to invoke one.
  • A cease and desist letter does not erase the debt. It can still be reported, and it can still be sued on while the limitations period is running.

Your debt is nobody else's business15 U.S.C. §§ 1692b, 1692c(b)

  • Without your consent or a court's permission, a collector may not discuss your debt with anyone other than you, your spouse, your attorney, the creditor and its attorney, the collector's own attorney, or a credit bureau.
  • It may contact other people only to find out where you live or work, and when it does it may not say that you owe a debt.
  • A collector telling an employer, relative, or neighbor about your debt is worth documenting with the date, the person, and the words used.

You can dispute errors on your credit report15 U.S.C. §§ 1681i, 1681c (FCRA)

  • You may dispute any inaccurate or incomplete item with the credit bureau that reports it.
  • The bureau must complete a reasonable reinvestigation within thirty days of receiving your dispute, extended by up to fifteen days if you send more information during that time, and must delete or correct what it cannot verify.
  • A collection account or charge-off generally may not be reported more than seven years after a date the statute fixes: 180 days after the delinquency that led to the collection or charge-off began.

Violations have consequences15 U.S.C. § 1692k

  • A collector that violates the FDCPA is liable for your actual damages plus statutory damages of up to $1,000 in an individual action.
  • The statute makes a losing collector pay your costs and reasonable attorney fees, which is why many consumer attorneys take these cases without charging you.
  • You must sue within one year of the violation.
  • You may also file complaints with the CFPB, the FTC, and your state Attorney General.

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