In this article, you will discover: Common ways debt collectors violate your consumer rights in Kansas How the Fair Debt Collection Practices Act protects you in Kansas Whether you’re entitled to compensation if a debt collector breaks the law in Kansas What Are The Most Common Ways Debt Collectors Violate Consumer Rights Under Kansas And Federal Law? The most common violations are constant phone calls, especially early in the morning or late at night, using threatening language, or discussing your debt with your family or employer. Sometimes, debt collectors will try to collect on debts that are no longer legally owed. What Is The Fair Debt Collection Practices Act, And How Does It Protect Consumers In Kansas? The Fair Debt Collection Practices Act (FDCPA) is a federal law that sets the rules for how debt collectors can operate. The Act… Read More
In this article, you can discover… Your legal rights when you are sued for credit card debt in Kansas. Potential legal defenses to help you fight a credit card debt lawsuit. How an experienced attorney can help you navigate the lawsuit against you. Who Usually Files Kansas Credit Card Debt Lawsuits? In Kansas, credit card debt lawsuits are commonly filed by debt buyers such as LVNV, Midland Funding, or Portfolio Recovery, who purchase old debts and initiate lawsuits to collect. What Are My Legal Rights When I’m Sued For Credit Card Debt In Kansas? When sued for credit card debt, you have the right to demand proof of the debt, file an answer to the lawsuit, and request evidence. Kansas law also protects you from abusive collection tactics under the Kansas Consumer Protection Act. How Do I Verify If A… Read More
In this article, you can discover… What foreclosure surplus funds are, and how to claim them. The documents you’ll need to claim surplus funds successfully. How long it can take to receive these funds once approved. What Are Foreclosure Surplus Funds And How Can I Claim Them After A Home Sale? Surplus funds are proceeds remaining from a foreclosure sale after paying off the mortgage and associated fees. Former homeowners are legally entitled to claim these excess funds. To find out if home foreclosure has resulted in surplus funds owed to you, contact the county court or trustee who handled the foreclosure. Review public records or consult a surplus recovery specialist to determine if funds are owed. How Long Do Kansas Homeowners Have To File A Foreclosure Surplus Funds Claim? In Kansas, the timeframe to claim surplus funds can vary.… Read More
Here’s what Missouri law says and what one property company is now being sued for. If you’ve rented an apartment in Missouri, you probably paid a security deposit. But what happens when your lease says part of that deposit is “non-refundable” before you’ve even moved in? Unfortunately, some landlords try to pocket your money up front, no matter how you leave the unit. We believe that’s not only unfair it’s unlawful. In a recent class action lawsuit filed in Jackson County, our firm alleges that a Kansas City property management company violated Missouri law by designating a portion of every tenant’s security deposit as non-refundable. Tenants who gave proper notice, paid their rent, and caused no damage were still denied a full refund, without any itemized explanation. That’s a problem. And we’re taking it to court. What Missouri Law Actually… Read More
In this article, you can discover… The circumstances that could require a vehicle quiet title. The documentation you’ll need to start the vehicle quiet title process. How an experienced attorney can help you navigate the process with care. When Might A Person Need A Vehicle Quiet Title? Individuals often seek a quiet title when they've acquired a vehicle without a title, inherited a car with unclear ownership, or lost the title over time. This is common with abandoned vehicles, family transfers, or private sales lacking proper documentation. How Do I File A Quiet Title Action For A Kansas Car With No Title? Initiate the process by filing a petition in the district court of the county where the vehicle is located—typically Johnson County for our clients. Serve notice to any parties with a potential interest in the vehicle. Once the… Read More
This article covers the following: How long unpaid medical debts stay on your credit report. Whether you can consolidate your medical debt to protect your credit score. How to negotiate medical debt with a hospital. How Long Does Unpaid Medical Debt Stay On My Credit Report In Kansas? Unpaid medical debt can remain on your credit report for up to seven years from the date of delinquency. However, credit reporting agencies now wait one year before adding medical debt to your report to allow time for resolution or insurance payments. Can I Remove Medical Debt From My Credit Report? Yes, medical debt can be removed from your credit report in certain circumstances. Once medical debt is paid, credit reporting agencies are required to remove it from your report. Disputing incorrect entries with the credit bureau can lead to removal if… Read More
When dealing with financial challenges, reducing expenses is just as important as managing debt. Making intentional choices about spending can help you regain control and avoid unnecessary financial strain. Below are practical ways to trim costs and prevent avoidable debt traps. Avoid Pressure-Induced Spending Financial stress can push people into impulsive shopping, but spending as a coping mechanism only deepens financial woes. Swiping a credit card for unnecessary purchases or taking out cash advances can hurt you in the long run, especially if you ever consider bankruptcy—creditors may challenge debts incurred under these circumstances. To Combat Impulse Spending: Identify triggers that lead to unnecessary purchases. Implement a “cooling-off period” before making non-essential purchases. Seek help from community counseling groups or credit counselors if spending feels out of control. Steer Clear Of The Holiday Debt Trap Many people splurge on gifts… Read More
When facing financial struggles, it's easy to feel overwhelmed and desperate for quick solutions. Unfortunately, an entire industry exists to take advantage of people in tough financial spots, offering so-called "help" that often makes things worse. In this post, I'll highlight some of the worst financial pitfalls to avoid and offer some practical alternatives to help you stay on solid ground. Two Cardinal Rules To Remember If it sounds too good to be true, it probably is. Be skeptical of anyone reaching out to you with a solution for your financial problems—legitimate options don’t come knocking. Common Traps to Avoid Debt Elimination Scams Be wary of internet ads promising to erase your debt for a small fee. These scams won’t make your debt disappear but will certainly drain your bank account. There is no magic fix for debt, and your… Read More
What you will learn in this guide: The impacts of debt settlement on your credit score. If debt relief guarantees that you will not face wage garnishment. Whether paying the minimum balance will hurt you in the long run. Is It True That Debt Settlement Will Always Negatively Impact My Credit Score? Your credit score is a lifeline to your lifestyle, and you should be aware of anything and everything that can affect it. Unfortunately, debt settlement generally negatively affects your credit score because creditors report settled debts as "settled" rather than "paid in full," indicating that the borrower did not fully meet the terms of the original agreement. However, the impact can vary depending on your prior payment history and other credit factors. The damage may lessen over time, especially if you maintain good financial habits. Can Creditors Still… Read More
What you will learn in this guide: The documents you need to rile a quiet title action. The effects of not serving notice properly and not serving within the right time. Why you should check for encroachments. What Documents Are Needed To File A Quiet Title Action? Documents needed to file a quiet title action typically include: Deed or title documents to establish ownership and the chain of title. Surveys and plats to provide information on property boundaries. Tax records to show payment history and identify any outstanding tax liens. Mortgages and liens to show evidence of existing encumbrances or satisfaction thereof. Affidavits to statements from individuals who can clarify claims or events affecting the title. Easements or restrictive covenants to highlight agreements that affect the property’s use. Failing to gather necessary documents can delay the filing, create issues in… Read More
