Who is Kansas Counselors?
Kansas Counselors, Inc. (KCI) is a debt collection agency based in Lenexa, Kansas. Their main objective is to collect overdue payments from individuals on behalf of their clients, primarily in the healthcare sector.
If you see Kansas Counselors listed on your credit report as a collections account, it indicates that they have been entrusted with the task of collecting a debt you owe that remains unpaid.
Who does Kansas Counselors collect for?
Kansas Counselors, Inc. predominantly provides debt collection services for the medical sector, more specifically for hospitals and other healthcare providers. This includes debts related to various types of healthcare services, ranging from routine check-ups to more complex medical procedures.
Is Kansas Counselors legit or a scam?
Kansas Counselors, Inc. is a legitimate company. They are authorized to collect debts on behalf of their clients. However, it’s important to verify any debts they claim you owe before making any payments.
How can I remove Kansas Counselors from my credit report?
Collection accounts can impact your credit score for up to seven years, so it’s essential to address them promptly. To remove collections from your report, start by disputing any errors related to the account with the credit bureaus.
If the information is accurate, consider negotiating a “pay-for-delete” agreement, where you offer payment in exchange for the account’s removal. Another option is to work with a credit repair service that specializes in challenging collections.
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Kansas Counselors, Inc. (KCI) Contact Information
Address:
Kansas Counselors, Inc.
8725 Rosehill Rd Ste 415
Lenexa, KS 66215
Mailing address:
Kansas Counselors, Inc.
PO Box 14765
Shawnee Mission, KS 66285
Phone number: (888) 536-9852 or (913) 284-7813
Should I contact or pay Kansas Counselors?
Before contacting a collection agency, verify that the debt is legitimate and accurately reported. Credit reports can contain errors or list debts that are no longer valid. Also, be aware that making payments on a debt can reset the clock and potentially harm your credit.
The most effective way to deal with Kansas Counselors is to work with a credit repair professional. They help remove millions of negative items every year from companies like Kansas Counselors on behalf of their clients.
Will Kansas Counselors sue me or garnish my wages?
Kansas Counselors, Inc. (KCI) does have the legal right to sue you for the unpaid debt. If they win the lawsuit, the court may issue a judgment that could potentially lead to wage garnishment or other methods of debt collection, depending on the laws in your specific state.
However, initiating a lawsuit is often a last resort for debt collection agencies due to the cost, time, and complexity associated with it. Prior to this, they are more likely to attempt to negotiate a repayment plan or settlement with you.
Kansas Counselors, Inc. Complaints
Most collection agencies have numerous consumer complaints filed against them with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Most complaints are about inaccurate reporting, harassment, or failure to verify a debt. If you are being harassed, consider filing a complaint.
You have many consumer rights under the Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA). These rights include disputing credit reporting errors and being treated fairly and respectfully by debt collectors.
Your Rights When Dealing with Kansas Counselors, Inc.
Debt collectors must follow state and federal laws. The Fair Debt Collection Practices Act (FDCPA) prohibits abusive, unfair, or deceptive practices and ensures your rights are protected:
- It is a violation of federal law for Kansas Counselors to report inaccurate or incomplete information about you.
- You have a legal right to request debt validation on an alleged debt. Send the collection agency a debt validation letter. They have 30 days to prove the debt is yours and the amount is accurate.
- Kansas Counselors cannot threaten or harass you, call repeatedly, swear at you, or publicly publish a list of debtors.
- Kansas Counselors must be honest about who they are and their purpose. They must notify you in writing and verbally that they are a debt collection agency.
- Kansas Counselors cannot threaten to have you arrested or imprisoned for unpaid debts.
Remove Kansas Counselors From Your Credit Report Today!
Credit Saint offers assistance with disputing Kansas Counselors collection accounts. With over 15 years of experience, they have worked with clients to address incorrect entries on credit reports.
If managing collection accounts feels overwhelming, working with a trusted credit repair company could be a helpful step toward improving your credit.
Visit their website or call (855) 281-1510 for more details.
