Collections Attorneys in Wichita, Kansas

We represent creditors such as collection agencies, landlords, small/medium sized businesses, and individuals in and around the Wichita area. Our office can assist creditors in efficiently collecting debt that they are owed. Through a variety of remedies such as real estate liens, wage and bank garnishments, and skip-tracing, our office is able to get you back what you are owed.

In simple terms, collections is the process of pursuing payments of debts owed by individuals or businesses. When a debtor fails to pay their debts on time, the creditor may turn to a debt collector to recover the owed money.

Kansas Collection Laws and Regulations

In Kansas, the collection laws and regulations are enacted to strike a balance between debtor rights and creditor's need to collect debts. The Kansas Fair Debt Collection Practices Act mirrors the federal Fair Debt Collection Practices Act (FDCPA) and offers protection against abusive, deceptive, and unfair debt collection practices. It's important to note that in Kansas, the statute of limitations for collecting a debt varies depending on the type of debt: written contracts have a 5-year limit and oral contracts have a 3-year limit. Additionally, Kansas law prohibits collectors from using misleading statements or unfair practices, and requires them to respect a debtor's privacy by limiting contact times and methods.

Effective Collection Strategies

Successful debt collection requires a strategic approach. Here are a few strategies that can help.

Communication

It all starts with communication. Reach out to the debtor and try to understand their situation. In many cases, they may be willing to work out a payment plan.

Documentation

Keep detailed records of all communications and transactions. This documentation can be invaluable if there are disputes down the line.

Professionalism

Always maintain a professional demeanor. Even if a debtor becomes difficult or uncooperative, keeping your cool can go a long way towards resolving the situation.

In conclusion, collections is a complex field that requires a deep understanding of the law, effective communication skills, and a strategic approach. By staying informed about the latest news and trends in the industry, you can ensure that you're always on top of your game.