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Kansas Collection Agency



Account Adjustment Bureau or AAB is a Kansas Collection Agency that offers commercial portfolio collections. We offer commercial collection services for delinquent Kansas or KS debt at reasonable rates. Once you check around you will find AAB should be handling your commercial portfolio in Kansas, as your preferred Kansas collection agency.

It should be kept in mind that in Kansas, a RICO action can be brought in the State of Kansas, if a person engages in a pattern and practice of providing personal or consumer loans to individuals at interest rates that are in excess of the usury limitations established by statutes of Kansas. It should also be noted that the state of Kansas requires Registration to collect in Kansas as opposed to an agency license to operate as a Kansas collection agency.

Below you will find summary points on Kansas Collection Agency regulations and Laws to consider that affect a Kansas collection agency. These points should be considered when placing a commercial portfolio for collection with a Kansas collection agency.

Kansas Collection Laws



NOTE: The Kansas collection information below is summary in nature and subject to change. While we make every effort to insure accuracy, the information provided should not be considered legal advice or to be one hundred percent accurate. No warranty is expressed or implied and AAB assumes no liability for its use.

Kansas Collection Interest Rates



Kansas Legal Rate: 10% per annum (When no interest rate stated)
Contract Rate: 15%
Exception: In Kansas Notes secured by real estate mortgages and contracts for deed to real shall be at an amount equal to 1½ percentage points above the yield of thirty-year fixed rate conventional home mortgages committed for delivery within 61 to 90 days accepted under the federal home loan mortgage corporation’s daily offerings for sale on the last day on which commitments for such mortgages were received in the preceding month unless otherwise specifically authorized by law.
Judgment: 12% or 4% over the Federal discount rate at the maximum end
Usury % Cap: 15% - 18% on first $1000

A Kansas collection agency can only apply interest rates as stated above.

Kansas Statute of Limitations



Kansas Oral Contracts: 3 Years
Kansas Written Contracts: 5 Years
Judgment: 5 Years (Renewal affidavit or execution keeps judgment alive every five (5) years)

Bad or NSF Check collection charges in Kansas


In Kansas: 3 times the amount of the check but not exceeding the amount of the check by more than $500

Kansas Collection Agency Laws


Kansas Collection Agency Licensing: NO (Registration required)
Bond: NONE

The Information above on commercial collections and Kansas Collection Agency Laws is provided to assist any potential Client searching for a Kansas collection agency. We encourage interested Clients to request a free quote when considering AAB as your Kansas collection agency.
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Kansas Cities

Dodge City, KS
Emporia, KS
Garden City, KS
Hays Hutchinson, KS
Junction City, KS
Kansas City, KS
Lawrence, KS
Leavenworth, KS
Leawood, KS
Lenexa, KS
Manhattan, KS
Olathe, KS
Overland Park, KS
Pittsburg, KS
Prairie Village, KS
Salina, KS
Shawnee, KS
Topeka, KS
Wichita, KS