Kansas Counselors: Who They Are and Your Rights

Type

Collection agency

Also known as

Kansas Counselors, Inc.; KCI

Headquarters

Lenexa, KS

Phone numbers it lists

(888) 536-9852, (913) 284-7813

Website

kciportal.com

99 debt collection complaints were sent to the Consumer Financial Protection Bureau about Kansas Counselors, Inc. from November 13, 2023 to November 12, 2026. A complaint is a consumer's account, not a finding that the company broke the law. Read the complaints in the CFPB database.

Who Is Kansas Counselors?

Kansas Counselors, Inc., which also goes by KCI, describes itself in its Better Business Bureau listing as a "third party debt collection agency for past due accounts receivable." That listing gives a start date of September 1960, a mailing address at PO Box 14765 in Lenexa, Kansas, and additional locations in Wichita and in the Shawnee Mission area of Johnson County. It names Cameron Karim as president.

The company runs a consumer payment portal at kciportal.com. The portal identifies itself as the Kansas Counselors, Inc. Consumer Portal, lists a toll-free number of (888) 536-9852 and a local number of (913) 284-7813, and states that the communication "is from a debt collector."

Why Kansas Counselors May Be Contacting You

KCI collects for other businesses; it is not the company you originally owed. Its public pages do not list its clients or say which industries it works for, so the creditor's name in your first letter is the key piece of information. Write it down along with KCI's reference number. If the creditor is a local hospital, clinic, utility or service provider you remember, compare the dates and amounts with your own bills. If you don't recognize the creditor at all, treat that as a reason to dispute rather than pay.

How to Check a Debt Kansas Counselors Says You Owe

Agencies like KCI usually work accounts the creditor still owns, which means the creditor's own records are the best check on the balance.

• Look for the validation notice. Within five days of first contacting you, KCI must give you a notice naming the creditor, itemizing the amount, and stating your dispute deadline (15 U.S.C. § 1692g; 12 C.F.R. § 1006.34).
• Dispute in writing within the validation period. A timely written dispute requires KCI to stop collecting until it mails you verification.
• Confirm who holds the account. Ask whether the creditor named in the letter still owns it or has sold it, and whether KCI added any interest or fees after placement.
• Request the creditor's own statement. Compare it with the itemization. Insurance adjustments, credits and payments you made directly to the creditor are common reasons a collection balance is wrong.
• Check the age of the debt. In Texas, most suits on consumer debts must be filed within four years (Tex. Civ. Prac. & Rem. Code § 16.004), and a debt buyer may not sue on a debt past that period (Tex. Fin. Code § 392.307). Kansas and other states use their own limitation periods.

Our guide on how to dispute a debt with a collector explains what to put in the letter.

What Kansas Counselors Can and Can't Do

A company whose business is collecting debts owed to others is a "debt collector" under the FDCPA (15 U.S.C. § 1692a(6)). For KCI, that means:

• It may not threaten action it doesn't intend or isn't allowed to take, such as a lawsuit on an account nobody plans to sue on (15 U.S.C. § 1692e(5)).
• It may not report a debt to the credit bureaus as undisputed once you've disputed it, and must report it as disputed if it reports at all (15 U.S.C. § 1692e(8)).
• It must stop calling your workplace if it knows or has reason to know your employer prohibits those calls (15 U.S.C. § 1692c(a)(3)).
• It is presumed to violate the law if it calls more than seven times in seven days about one debt (12 C.F.R. § 1006.14(b)(2)).

We did not find a CFPB enforcement action against Kansas Counselors. If a collector has crossed these lines, see our FDCPA attorneys page.

We Sue Debt Collectors That Break the FDCPA

Texas Debt Law files Fair Debt Collection Practices Act lawsuits against debt collectors in federal court for consumers in Texas, California, Illinois, Georgia and Colorado. If Kansas Counselors or anyone collecting for it harassed you, misstated what you owe, threatened action it could not take, or told others about your debt, you may have a claim. A court can order a collector that violated the FDCPA to pay your actual damages, up to $1,000 in additional statutory damages, and your attorney's fees and costs (15 U.S.C. § 1692k(a)). An FDCPA claim generally must be filed within one year of the violation (§ 1692k(d)), so keep your letters, call logs, voicemails and screenshots, and talk to us early. Texas residents may also have claims under the Texas Debt Collection Act. Learn more from our FDCPA attorneys.

Free FDCPA Case Review(214) 851-2250

Or start your free case evaluation online. No lawyer can promise a result; every claim depends on its facts and proof.

Sources

• Kansas Counselors, Inc. consumer portal
• BBB business profile: Kansas Counselors, Inc. (KCI) (business facts only)
• CFPB enforcement actions (full list reviewed)
• CFPB Consumer Complaint Database: Kansas Counselors, Inc., debt collection

This profile is general information compiled from public sources, not legal advice, and it does not state or imply that Kansas Counselors has violated any law. Company details change; tell us if something here is out of date.