What happens if I don’t pay a debt in full?

If you do not pay a debt in full in Kansas, the creditor may sue you and take you to court to try and collect the unpaid debt. Depending on the amount of debt owed, the creditor may be able to get a judgment or court order requiring you to pay the debt in full. The judgment or court order will also list any fees and additional costs that the creditor is entitled to when attempting to collect the debt. The creditor is then legally able to take steps to try and collect what is owed. This may include wage garnishment, filing a lien on your property, and repossessing items purchased with the debt. You do have the right to dispute the debt, even if it is past due. The creditor has to prove that the debt is valid and that you owe the amount requested. If you can dispute the item, the creditor cannot collect the debt from you. Under the Consumer Debt Defense Law in Kansas, you may be able to negotiate with the creditor to reduce the amount you owe or establish a payment plan to reduce the amount you owe. The creditor may not agree to reduce the debt, but it is worth exploring your options before letting the debt go to collections or legal action.

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What happens if I don’t pay a debt in full?

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