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Some employers and landlords check into your background before deciding whether to hire you or keep you on the job, or rent to you.
When they do a background check, you have legal rights under federal law. This page talks mostly about legal rights when applying for jobs.
It’s important to know whom to contact if you think someone has broken the law related to background checks.
Learn about your housing rights under the Fair Housing Act.
Article by Paul Shipp of Kansas Legal Services
The number of Payday lenders has grown at an oddly rapid rate over the past few decades, mainly in low income areas. Typically these lenders market directly to low income borrowers, notably those on a steady, fixed, and certain income. Borrowers are often at or below the poverty level; many live off only fixed incomes and are elderly or disabled.
This is KANSASWORKS - your best source for posting and finding jobs in the state of Kansas. Whether you're looking for that perfect job, that perfect employee or information on an industry or workforce, KANSASWORKS for you. And it works absolutely free.
https://www.kansasworks.com/ada/
Consumer Debt Advice from National Consumer Law Center https://library.nclc.org/stopping-debt-collection-harassment-consumer-debt-advice-nclc
April Kuehnhoff June 25, 2018
Email link to this article
Check out two videos to help you know your rights in debt collection and also how to deal with debt collectors.
The links are here:
Your credit score is a tool businesses use to measure your creditworthiness - how likely it is that you will repay a loan. Equifax, Experian and Transunion each compile a report of your credit history to determine your credit score. Occassionally, there will be errors in your credit history that will adversely effect your credit score and your ability to borrow money.
The Fair Debt Collections Practices Act is a federal law that requires collection agencies to stop contacting you if you send them a letter stating that you wish to stop contact. Complete the interview in the link below to create this letter.
Stop Contact Letter Interview
Creditors still have the option of pursuing legal action against you. This will not make your debt go away.
Special report from the Center for Responsible Lending, June 2023
The national Center for Responsible Lending (CRL) reports that single-payment and payday installment loans in 31 states drain more than $2.2 billion in fees per year from borrowers whose average incomes are approximately $25,000 a year.
Car-title loans drain more than $700 million annually from borrowers in 17 states.
Together these predatory loans drain almost $3 billion annually from those families who can least afford it.
This client-focused handout contains information and tips about how to handle a call from a collector or someone collecting a debt on another's behalf.
Here are two helpful videos on dealing with debt collection, and how to talk with a debt collector.
Bankruptcy is a choice that may help if you are facing serious financial problems. You may be able to cancel your debts, stop collection calls, and get a fresh financial start. Bankruptcy can help with some financial problems, but does not guarantee you will avoid financial problems in the future. If you choose bankruptcy, you should take advantage of the fresh start it offers and then make careful decisions about future borrowing and credit, so you won’t ever need to file bankruptcy again!
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