If Kansas Counselors, Inc. has popped up on your credit report, you’re probably wondering who they are and what you can do about it. Here’s everything you need to know—and how to potentially get them removed from your credit report.
Who Is Kansas Counselors, Inc.?
Kansas Counselors, Inc. (KCI) is a third-party debt collection agency based in Lenexa, Kansas. They work primarily with healthcare providers to collect unpaid medical bills from patients. If they’re listed on your credit report, it means a past-due account has been sent to collections.
Who Does Kansas Counselors Collect For?
Kansas Counselors mainly handles debt for hospitals, clinics, and other medical providers. This could include anything from routine doctor visits to emergency room services or surgical procedures. If you’ve ever had an unpaid medical bill, there’s a chance they’re trying to collect it.
Is Kansas Counselors Legit?
Yes, Kansas Counselors, Inc. is a legitimate debt collection agency. They’re legally allowed to collect debts on behalf of their clients. But that doesn’t mean every debt they report is accurate. Always verify the details before making any payment.
How to Remove Kansas Counselors From Your Credit Report
Having a collection account on your credit report can hurt your credit score for up to seven years. Here are the best ways to handle it:
1. Dispute Any Errors
Start by checking your credit report for inaccuracies. If the account isn’t yours or the details are wrong, file a dispute with the credit bureaus (Experian, Equifax, and TransUnion). Under the Fair Credit Reporting Act (FCRA), they must investigate and correct any incorrect information.
2. Send a Debt Validation Letter
You have the right to request proof that the debt is valid. Send Kansas Counselors a written request for debt validation within 30 days of their first contact. They must provide documentation showing the debt is yours and the amount is correct. If they can’t, they must stop collection efforts and remove the account from your credit report.
3. Try a Pay-for-Delete Agreement
If the debt is legitimate, you can ask for a pay-for-delete deal. This means you agree to pay (either in full or in a reduced settlement) and they agree to remove the account from your credit report. Get the agreement in writing before making any payment. Not all agencies will agree to this, but it’s worth asking.
4. Get Help From a Credit Repair Company
Dealing with collections can be stressful. A reputable credit repair service can help you dispute errors, negotiate removals, and improve your credit faster. They work directly with companies like Kansas Counselors on behalf of clients.
Ready to Clean Up Your Credit Report?
Learn how credit repair professionals can assist you in disputing inaccuracies on your credit report.
Should You Contact or Pay Kansas Counselors?
Before calling or sending money, verify that the debt is legitimate and within the statute of limitations. If you make a payment on an old debt, you could restart the clock on how long it can appear on your report or be collected through legal action.
In some cases, ignoring a debt that’s past the statute of limitations may be smarter than paying it. In others, settling the debt might make more sense—especially if you can get it removed from your credit report in the process.
Can Kansas Counselors Sue or Garnish Wages?
Yes, they can sue you in court to collect a debt. If they win, they could seek a judgment that allows wage garnishment or bank levies—depending on your state laws. That said, lawsuits are usually a last resort. Most collection agencies would rather settle or set up a payment plan than go to court.
Kansas Counselors, Inc. Contact Information
- Mailing Address:
PO Box 14765
Shawnee Mission, KS 66285 - Office Address:
8725 Rosehill Rd, Ste 415
Lenexa, KS 66215 - Phone Numbers:
(888) 536-9852 or (913) 284-7813
What If Kansas Counselors Violates Your Rights?
If you feel harassed or that your rights are being violated, file a complaint with the Consumer Financial Protection Bureau (CFPB) or the Better Business Bureau (BBB). Common complaints against collectors include:
- Trying to collect debts you don’t owe
- Refusing to validate a debt
- Reporting false information to credit bureaus
- Using threatening or abusive language
You’re protected under both the Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA).
Your Rights Under the FDCPA
Debt collectors must follow strict rules. Here’s what Kansas Counselors is not allowed to do:
- Report inaccurate or incomplete information
- Call you repeatedly or use abusive language
- Threaten legal action they don’t intend to take
- Misrepresent who they are or why they’re contacting you
- Say you can be arrested for unpaid debts
- Refuse to send written notice of the debt
You also have the right to request debt validation and dispute any inaccuracies.
Need Help Getting Kansas Counselors Removed?
You don’t have to handle collections by yourself. Professional credit repair services like Credit Saint can step in, challenge inaccurate items, and work directly with collection agencies and credit bureaus on your behalf.
They’ve helped thousands clean up their credit—and they offer a 90-day money-back guarantee if you’re not satisfied.
Visit their website or call (855) 281-1510 to learn more.
Brooke Banks is a personal finance writer specializing in credit, debt, and smart money management. She helps readers understand their rights, build better credit, and make confident financial decisions with clear, practical advice.
