Kansas Laws on Wage Garnishments, Statute of Limitations on Debt, and Bankruptcy Property Exemptions
WAGE GARNISHMENT EXEMPTION:  Kansas follows the federal wage garnishment law; therefore, the Federal rules apply

MAXIMUM INTEREST RATE: Legal: 10%   Judgment: 12%


Open Account (credit card):   3 years
Written Contract:  5 years
Domestic Judgment:  5 Years (renewable)
Foreign Judgment: 5 years (renewable)

BAD CHECK LAW DAMAGES:  Three times check amount with cap at $500 over check amount plus attorney's fees


Cannot use federal exemptions, but can use federal non-bankruptcy exemptions

The State of Kansas exempts the property and income below from seizure by the bankruptcy court to pay creditors:

Real Estate:  Real property or mobile home used as residence, unlimited value, up to one acre in town or city or 160 acres on farm [60-2301 and Kansas Constitution 15-9]
Personal Property:  Household furnishings and equipment, unlimited amount [60-2304(a)]; books, documents, furniture, instruments, breeding stock, equipment, seed, livestock and grain used in farm business, up to $7,500 total [60-2304(e)]; clothing, amount needed for one year [60-2304(a)]; food and fuel, amount needed for one year [60-2304(a)]; motor vehicle up to $20,000 (unlimited amount if vehicle equipped for disabled person) [60-2304(c)]; National Guard uniforms, arms and equipment, unlimited amount [48-245]; funeral plan prepayments, unlimited amount [16-310(d)]; burial plot or crypt, unlimited amount [60-2304(d)];

Debt Statutes  > Kansas
Insurance / Annuities:  Life insurance proceeds if policy prohibits proceeds from being used to pay creditors, unlimited amount [40-414(a)]; cash value of life insurance if bankruptcy filed at least one year after policy issued, unlimited amount [40-414(b)]; fraternal life insurance benefits, unlimited amount [40-414(a)]
Pensions/ Retirement Plans:  Retirement benefits, unlimited amount [60-2308(b)]; firefighters and police officers, unlimited amount [12-5005(e)]; public employees, unlimited amount [74-4923]; judges, unlimited amount [20-2618]; federal government pension payments paid within three months of filing bankruptcy, unlimited amount [60-2308(a)]; elected and appointed officials in cities with populations between 120,000 and 200,000, unlimited amount [13-14-102]; state highway patrol officers, unlimited amount [74-4978g]; state school employees, unlimited amount [72-5526]
Public Benefits / Entitlements:  Unemployment compensation, unlimited amount [74-7313(d)]; workers' compensation, unlimited amount [44-514]; aid to families with dependent children, general assistance and welfare benefits, unlimited amount [39-717]; crime victim's compensation, unlimited amount [74-7313(d)] Wages:  75% of earned but unpaid wages [60-2310]
Miscellaneous:  Liquor licenses, unlimited amount [41-326]; business partnership property [56-325]