State Debt Laws
Kansas Debt Collection Laws
Garnishment limits, exemptions, and consumer protections specific to Kansas
Kansas (KS) - At a Glance
| State Consumer Protection Law | Kansas Consumer Protection Act |
| Source | K.S.A. ยง 50-623 et seq. |
| Covers Original Creditors? | No - third-party collectors only |
| Max Wage Garnishment | 25% of disposable earnings (federal minimum; may be lower) |
| Bank Levy Exemption | $750 in bank |
| Homestead Exemption | Unlimited acreage |
Key Protections in Kansas
- FDCPA applies to third-party collectors
- Unlimited homestead acreage protection
- Consumer Protection Act covers deceptive collection
Wage Garnishment in Kansas
After a court judgment, creditors in Kansas can garnish up to 25% of your disposable earnings (earnings after legally required deductions). This is the federal cap - Kansas follows federal law on this limit.
Exempt from garnishment: Federal benefits (Social Security, SSI, VA benefits) cannot be garnished by private creditors regardless of state law.
File a Complaint in Kansas
If a debt collector violates the FDCPA or Kansas Consumer Protection Act:
- File with the Kansas Attorney General
- File with the CFPB
- Consult a consumer attorney (FDCPA violations = attorney fees paid by collector)