{"meta":{"key":"s_ks--pass-12","task":"S_KS","title":"Kansas ordinary unsecured consumer-debt limitation, accrual, choice of law, tolling, and revival","parent_title":"Kansas debt and debt relief law","edition":"pass-12","path":"/research/s_ks--pass-12/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-26","tables":9,"claims":60,"sources":29,"review_status":"revise","review_complete":true,"sha256":"54392d6384dfbc23a5c67368a581a46c3fa8b6310b8ad5597da64e5a89e3f644","headings":["Kansas ordinary unsecured consumer-debt limitation, accrual, choice of law, tolling, and revival","A1. Written versus unwritten obligations","A2. Credit cards and revolving debt","A3. Open accounts","A4. Account stated","A5. Negotiable instruments","B1. General accrual rule","Events that may establish accrual","Events that do not automatically establish accrual","B2. Installment obligations","B3. Automatic acceleration","B4. Optional acceleration","B5. Waiver and deacceleration","B6. UCCC cure rights","B7. Assignment, sale, and charge-off","C1. Current statutory rule","C2. Payment predicates","C3. Payment can revive a time-barred debt","C4. Written acknowledgment or promise","C5. Electronic acknowledgment","C6. Settlement negotiations","C7. Revival and negotiable instruments","D1. Kansas forum treatment of limitations","D2. Generic choice-of-law clauses","D3. Kansas UCCC choice restrictions","D4. Kansas borrowing statute","D5. Absence and concealment","D6. Legal disability","D7. Savings statute","D8. Injunction tolling","D9. Bankruptcy stay","E1. Filing plus service","E2. Computing terminal days","E3. Affirmative defense and waiver","E4. Expiration does not extinguish the debt","E5. Federal time-barred-debt overlay","G1. Same breach, written versus unwritten classification","Branch A — Complete written agreement","Branch B — Unwritten or implied obligation","G2. Credit-card classification held","G3. Installments versus acceleration","Branch A — No acceleration","Branch B — Automatic acceleration on March 1, 2022","Branch C — Optional acceleration","G4. Assignment without new promise","G5. Valid part payment after the old period expired","Qualified payment branch","Invalid ledger-credit branch","G6. Signed electronic acknowledgment","G7. Cross-border branch","Kansas-resident-holder branch","Generic choice clause","G8. Negotiable demand note","Demand made","No demand","G9. Last-day filing and service relation","G10. Bankruptcy suspension","Actually read or inspected in PASS-12","Material correction identified during this pass","Access failures and source limitations"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-5.6 Sol","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_KS/pass-12","facets":{"geography":["us","us-ks"],"debt_type":[],"stage":["judgment"],"subject":["limitations-revival","judgments-duration"]},"scope":"Ordinary unsecured Kansas limitation/accrual/choice/tolling/revival; narrowcommencement, separatejudgments/sectors later","pending_corrections":3},"markdown":"# SettleADebt.com — S_KS, PASS-12\n\n## Kansas ordinary unsecured consumer-debt limitation, accrual, choice of law, tolling, and revival\n\n**Fresh research date:** October 26, 2026, Pacific (America/Los_Angeles) / October 26, 2026, UTC\n**Actual model:** GPT-5.6 Sol Pro\n**Review character:** Same-project continuation in this original authorized Chat; **not an independent review**\n**Component boundary:** Ordinary unsecured written and unwritten consumer obligations, revolving and credit-card accounts, open and stated accounts, installment obligations, negotiable-note gateway classification, accrual, acceleration, revival, choice of law, borrowing, statutory tolling, commencement, and the narrow federal time-barred-debt overlay.\n\nPASS-11 reporting is saved but unreviewed and is not adopted as a premise. Likewise, no new legal conclusion from PASS-05 through PASS-11 is assumed. The operative statutes and cases used here were read for this component.\n\nThis pass does **not** complete mortgage or foreclosure limitations, vehicle repossession or deficiency claims, medical-specific billing, utilities, rent, student debt, support, fines, government or tax debt, probate claims, bankruptcy procedure, sale-of-goods claims, fraud claims, judgments, liens, judgment renewal, garnishment, secured-credit remedies, local law, tribal law, or complete litigation procedure.\n\n# Executive determination\n\nKansas does not assign one limitations period to “consumer debt,” “collection accounts,” “credit cards,” or “debt buyers.” The governing period depends on the **legal claim actually sued upon** and the documents necessary to establish it:\n\n- **Five years** generally applies to an action on an agreement, contract, or promise in writing, but only when the writings themselves contain the material contractual terms needed to establish the promise.\n- **Three years** generally applies to an express or implied contractual obligation not in writing.\n- A qualifying **negotiable note** is governed by the more specific Kansas UCC rule: ordinarily six years from the stated due date or valid accelerated due date; a demand note generally runs six years after demand, with a separate ten-year no-payment bar where no demand occurs.\n- A revolving or credit-card account is not categorically three years or five years merely because it is called a “credit card.” The claimant must establish the actual claim: complete written contract, implied contract, account stated, or another recognized theory.\n- Installments ordinarily accrue separately as each payment becomes due unless the contract validly accelerates the balance.\n- Assignment, debt sale, collection placement, charge-off, cancellation of charging privileges, or a settlement offer does not itself create a new accrual date or restart the period.\n- A qualifying part payment, signed written acknowledgment, or signed written promise can begin a new period under K.S.A. 60-520—even after the prior period has run—but only if the statutory and case-law predicates are met. A payment can be expressly limited to only part of the debt.\n- Filing a petition is not always enough. To obtain the filing-date commencement benefit, service or publication generally must occur within 90 days, subject to the statutory extension and cure provisions.\n- Limitations is ordinarily an affirmative defense that can be waived. Expiration bars the judicial remedy; it does not extinguish the underlying obligation.\n- A covered federal debt collector may not sue or threaten suit on a time-barred debt, but Regulation F does not prohibit every truthful, nonthreatening request for voluntary payment. ([Kansas Legislature](https://www.kslegislature.gov/b2025_26/laws/060_000_0000_chapter/060_005_0000_article/060_005_0011_section/060_005_0011_k/?utm_source=chatgpt.com)) ([Kansas Legislature](https://www.kslegislature.gov/b2025_26/laws/084_000_0000_chapter/084_003_0000_article/084_003_0118_section/084_003_0118_k/?utm_source=chatgpt.com)) ([eCFR](https://www.ecfr.gov/current/title-12/chapter-X/part-1006/subpart-B/section-1006.26?utm_source=chatgpt.com))\n\nThe central practical rule is therefore:\n\nPlain text\n```\nApplicable deadline\n= legally classified claim\n+ legally supported accrual event\n+ any valid acceleration or installment treatment\n+ any valid revival\n+ applicable tolling or borrowing rule\n+ timely Kansas commencement\n```\n\nNeither the creditor’s label nor a spreadsheet’s “last payment date” can substitute for that analysis.\n\n# A. Claim-by-claim classification matrix\n\n| Claim or instrument asserted | Kansas limitation framework | What must be established | Principal unresolved or alternative branch |\n| --- | --- | --- | --- |\n| **Complete written contract or promise** | **5 years** under K.S.A. 60-511(1) | The writings contain the material contractual terms necessary to establish the claim without using oral evidence to supply an essential promise | A document set that omits payment terms, promise, parties, or other essential terms may fall into the three-year branch |\n| **Partly written, partly oral contract** | Generally **3 years** under K.S.A. 60-512(1) | An essential contractual term must be proved by oral or extrinsic evidence | Incidental explanatory evidence does not necessarily defeat written status; the issue is whether extrinsic proof supplies a material term |\n| **Oral or implied contract** | **3 years** | Existence, breach, and amount of an express oral or implied obligation | Another independent written promise or later account stated may create a different claim |\n| **Credit-card or revolving account** | **Not categorical**; potentially 5 or 3 years | Actual card agreement, amendments, applicable terms, promise to repay, acceptance/use, statements, and theory pleaded | Kansas has no located published appellate rule assigning all credit-card claims one universal period |\n| **Ordinary one-sided “open account”** | Usually classified under written or unwritten contract rules | Nature of the underlying promise and writings | Merely calling an account “open” does not establish a mutual open running account or select three years |\n| **Mutual open running account** | Balance may accrue at settlement or the last pertinent entry under the specialized doctrine | Reciprocal and connected debits and credits, shifting balance, common intent that items form one continuing account | Ordinary consumer payments against one-way advances do not automatically satisfy the reciprocity requirement |\n| **Account stated** | Period depends on the new stated-account agreement | Prior transactions, agreed balance, and express or implied assent to correctness and payment | Account stated need not be written or signed; an implied account stated therefore does not automatically receive five years |\n| **Installment contract without acceleration** | Each installment generally has its own period | Amount and due date of each installment, nonpayment, and applicable written/unwritten classification | Unmatured installments ordinarily are not yet actionable |\n| **Contract with automatic acceleration** | Entire balance can accrue automatically on the contractually defined default | Clause must be absolute rather than optional; default must actually satisfy its terms | UCCC cure rights can prevent immediate enforceability in a covered consumer installment transaction |\n| **Contract with optional acceleration** | Entire balance accrues only after valid exercise | Clear and unequivocal election plus an affirmative enforcement act; any required notice or cure conditions | Conditional notice of future acceleration is ordinarily insufficient |\n| **Negotiable note payable at a definite time** | **6 years** from stated due date or valid accelerated due date under K.S.A. 84-3-118(a) | Instrument satisfies K.S.A. 84-3-104 and 84-3-108 | A document called a “note” may be nonnegotiable and instead fall under K.S.A. 60-511 or 60-512 |\n| **Negotiable demand note** | Generally **6 years after demand**; if no demand, barred after **10 continuous years without principal or interest payment** | Note is payable on demand; actual demand and payment history | Exact beginning of the no-demand ten-year period requires the instrument and payment history |\n| **Sale-of-goods contract** | Excluded from this pass | Article 2 can supply a different limitations rule | Requires separate sale-of-goods analysis |\n| **Judgment** | Excluded from this pass | Judgment dormancy, revival, and lien rules are distinct | Not controlled by ordinary contract periods |\n\nThe five-year writing test is substantive, not cosmetic. In *Miller v. William A. Smith Constructing Co.*, the Kansas Supreme Court held that the writing must be complete enough to establish all material terms without extrinsic proof supplying essential contract terms. A contract partly written and partly oral is treated as oral for limitations purposes. The writing need not be signed by every party if the complete writing is executed by the party charged and accepted and acted upon by the other side. [Justia Law](https://law.justia.com/cases/kansas/supreme-court/1979/49-588-1.html)\n\n## A1. Written versus unwritten obligations\n\nK.S.A. 60-511(1) provides five years for an action on an agreement, contract, or promise in writing. K.S.A. 60-512(1) provides three years for express or implied contractual obligations not in writing. The phrase “written contract” therefore does not mean merely that some paper or electronic records exist. The writings relied upon must establish the material promise sued upon. ([Kansas Legislature](https://www.kslegislature.gov/b2025_26/laws/060_000_0000_chapter/060_005_0000_article/060_005_0011_section/060_005_0011_k/?utm_source=chatgpt.com)) ([Kansas Legislature](https://www.kslegislature.gov/b2025_26/laws/060_000_0000_chapter/060_005_0000_article/060_005_0012_section/060_005_0012_k/?utm_source=chatgpt.com))\n\nDocuments that can matter include:\n\n- The signed application.\n- Cardholder or loan agreement.\n- Amendments and change-in-terms notices.\n- Pricing or fee schedules.\n- Statements.\n- Records of use and acceptance.\n- Any later written settlement or acknowledgment.\n\nStatements showing charges and payments can prove account activity. They do not necessarily supply a missing contractual promise, governing terms, amendment authority, or due-date provision.\n\n## A2. Credit cards and revolving debt\n\nNo published controlling Kansas appellate decision located in this pass establishes that every credit-card action is governed by either three years or five years.\n\nThe most relevant publicly available Kansas examples point in different directions without creating a categorical rule:\n\n- In unpublished *CoreFirst Bank & Trust v. Tuckness*, the district court applied the three-year period, and the Court of Appeals alternatively treated a later minimum payment as restarting that three-year period. But the appellant inadequately briefed the limitations issue, the opinion is unpublished, and its reference to “K.S.A. 60-250(a)” appears to be a citation error for K.S.A. 60-520. It is not a reliable published classification rule for all credit cards. [FindLaw](https://caselaw.findlaw.com/court/ks-court-of-appeals/1888122.html)\n- In unpublished *First National Bank of Omaha v. Lucas*, admissions, account use, and statements supported liability, but the decision did not decide whether three years or five years governed. [Justia Law](https://law.justia.com/cases/kansas/court-of-appeals/2024/127685.html)\n- An official Kansas Courts search located unpublished *Portfolio Recovery Associates v. Kimrey*, where the parties agreed that the three-year unwritten-contract period applied. The official opinion page returned HTTP 403 in this session, so that decision is not used here as fully read substantive authority. [Kansas Courts](https://kscourts.gov/Cases-Decisions/Decisions/Unpublished/Portfolio-Recovery-Associates-v-Kimrey)\n\nThe evidence-backed classification is therefore:\n\nPlain text\n```\nCredit-card claim based on a complete written promise:\npotentially 5 years\n\nCredit-card claim requiring implied or oral terms:\npotentially 3 years\n\nQualifying negotiable instrument:\nspecific Article 3 period\n\nAccount-stated claim:\nclassification depends on form of the stated-account agreement\n```\n\nA card issuer or debt buyer cannot select five years merely by attaching statements, and a consumer cannot establish three years merely by calling the account “open-ended.”\n\n## A3. Open accounts\n\nKansas does not supply a universal “open account” limitations period for all revolving debts. The Kansas Supreme Court’s specialized mutual-open-account doctrine requires a connected series of **reciprocal** debits and credits, a shifting balance, and an intention that individual entries not be independent but form one continuing liability to be fixed at settlement or the last pertinent entry. [Justia Law](https://law.justia.com/cases/kansas/supreme-court/1984/56-494-1.html)\n\nThat is materially different from an ordinary account in which:\n\n- One party advances credit.\n- The consumer makes purchases.\n- The consumer’s payments reduce only that consumer’s balance.\n- The creditor never incurs reciprocal indebtedness to the consumer.\n\nA recurring statement and repeated payments are therefore not enough, by themselves, to establish a mutual open running account.\n\n## A4. Account stated\n\nAn account stated is a new agreement fixing the balance arising from prior transactions, with an express or implied promise to pay. Assent can be inferred from circumstances, including retention without timely objection, but the existence of assent remains fact-dependent. Kansas authority expressly recognizes that the statement and assent need not be signed or entirely written. [Justia Law](https://law.justia.com/cases/kansas/supreme-court/1963/43-127-0.html)\n\nThe resulting limitation branch is therefore not automatic:\n\n| Form of account-stated agreement | Potential classification |\n| --- | --- |\n| Complete signed writing containing agreed balance and promise | Potential five-year written-contract branch |\n| Oral agreement on balance | Three-year unwritten-contract branch |\n| Assent implied from conduct or silence | Generally three-year implied-contract branch |\n| No meeting of minds, timely objection, or materially disputed balance | Account-stated claim may fail altogether |\n\nAn account statement mailed by the creditor does not become an account stated merely because it exists.\n\n## A5. Negotiable instruments\n\nK.S.A. 84-3-118 is the specific limitations statute for instruments satisfying Article 3. A qualifying negotiable instrument generally must contain an unconditional promise or order to pay a fixed amount, be payable to bearer or order, be payable on demand or at a definite time, and not require additional undertakings beyond those permitted by statute. ([Kansas Legislature](https://www.kslegislature.gov/b2025_26/laws/084_000_0000_chapter/084_003_0000_article/084_003_0104_section/084_003_0104_k/?utm_source=chatgpt.com))\n\nFor covered instruments:\n\n- A definite-time note: six years after the stated due date or valid accelerated due date.\n- A demand note: six years after demand.\n- No demand on a demand note: barred after a continuous ten-year period during which neither principal nor interest was paid.\n- Other drafts, checks, certificates of deposit, warranties, and conversion claims have their own subsection-specific periods. ([Kansas Legislature](https://www.kslegislature.gov/b2025_26/laws/084_000_0000_chapter/084_003_0000_article/084_003_0118_section/084_003_0118_k/?utm_source=chatgpt.com))\n\nA lender cannot assume that every written personal loan labeled “promissory note” receives six years. The instrument first must satisfy Article 3.\n\n# B. Accrual, installments, maturity, and acceleration\n\n## B1. General accrual rule\n\nK.S.A. 60-510 says the prescribed period runs after the cause of action accrues. Kansas cases frame accrual as the point at which the claimant has a present right to maintain the action. A continuing commercial relationship or an account remaining administratively open does not delay accrual after an actionable breach has occurred. ([Kansas Legislature](https://www.kslegislature.gov/b2025_26/laws/060_000_0000_chapter/060_005_0000_article/060_005_0010_section/060_005_0010_k/?utm_source=chatgpt.com)) [Justia Law](https://law.justia.com/cases/kansas/court-of-appeals/1997/75342.html)\n\n### Events that may establish accrual\n\n- Missed due date.\n- Contractual maturity.\n- Valid automatic acceleration.\n- Completed exercise of optional acceleration.\n- Demand on a demand instrument.\n- Agreed account-stated balance.\n- Final settlement or last pertinent entry of a true mutual open running account.\n\n### Events that do not automatically establish accrual\n\n- Charge-off.\n- Sale or assignment.\n- Placement with a collection agency.\n- Cancellation of future charging privileges.\n- Internal “default” coding.\n- Credit-report delinquency date.\n- Settlement offer.\n- Demand letter where the debt was already due.\n- Last payment, unless the contract makes it the legally relevant breach or the payment validly revives the claim.\n\n## B2. Installment obligations\n\nAbsent valid acceleration, each matured installment generally gives rise to a separate cause of action when it becomes due and remains unpaid. Kansas appellate authority has stated the installment rule in other recurring-payment contexts, while *Cornett v. Roth* confirms the complementary proposition: where a note lacks an acceleration clause, an action for the entire principal before maturity is premature even though past-due installments or interest may be recoverable. [Justia Law](https://law.justia.com/cases/kansas/supreme-court/1983/55-137-1.html)\n\nThus, for a five-year written installment contract:\n\nPlain text\n```\nInstallment 1 deadline = Installment 1 due date + 5 years\nInstallment 2 deadline = Installment 2 due date + 5 years\n...\nFinal maturity claim   = Final maturity date + 5 years\n```\n\nThe entire remaining balance does not acquire the first missed installment’s accrual date unless the contract and applicable law validly accelerate it.\n\n## B3. Automatic acceleration\n\nKansas recognizes clauses under which the entire balance becomes due automatically upon the defined default. If the language is absolute and contains no optional feature, no separate election is required. [Justia Law](https://law.justia.com/cases/kansas/supreme-court/2008/96697.html)\n\nThe necessary questions are:\n\n1. What event does the clause define as default?\n2. Is acceleration automatic or optional?\n3. Was the clause waived or modified by course of performance?\n4. Does a consumer-credit cure statute delay enforcement?\n5. Did the creditor later accept performance inconsistent with acceleration?\n\nAn internal charge-off is not a substitute for an automatic-acceleration clause.\n\n## B4. Optional acceleration\n\nWhere acceleration is optional, Kansas authority requires more than a conditional future warning. The holder generally must:\n\n1. Clearly and unequivocally state that it is exercising the acceleration option and demanding the whole balance; and\n2. Take an affirmative act toward enforcement.\n\nA notice saying the account **will** be accelerated in the future if the default is not cured is ordinarily a threat of future acceleration, not completed acceleration. [Justia Law](https://law.justia.com/cases/kansas/court-of-appeals/2021/122179.html)\n\n*Wilmington Savings Fund Society v. Holverson* involved a mortgage, so it does not itself decide every unsecured-credit contract. Its two-step construction of optional acceleration is nevertheless published Kansas appellate authority on Kansas contract law. Full mortgage treatment remains excluded.\n\n## B5. Waiver and deacceleration\n\nAcceptance of late payments and other conduct can waive or modify enforcement of an acceleration clause. *Foundation Property Investments* recognizes that a party can retract a waiver prospectively with notice and a reasonable opportunity to perform, depending on the contract and facts. [Justia Law](https://law.justia.com/cases/kansas/supreme-court/2008/96697.html)\n\nThis pass did **not** locate controlling Kansas authority establishing a universal rule for:\n\n- Deacceleration after a fully completed acceleration.\n- Resetting limitations through unilateral deacceleration.\n- Portfolio-level “deacceleration” coding.\n- Revival of future installments after dismissal of a collection suit.\n\nThose questions remain contract- and claim-specific.\n\n## B6. UCCC cure rights\n\nFor a covered Kansas UCCC consumer-credit transaction payable in installments:\n\n- A payment default must continue for ten days before the creditor may send the statutory cure notice.\n- For a default consisting only of failure to make a required payment, the creditor may not accelerate or repossess until 20 days after giving the cure notice.\n- Timely cure restores the consumer’s contractual rights as though the payment defaults had not occurred.\n- After one cure notice on the same obligation, the statute supplies no additional cure right for later defaults. ([Kansas Legislature](https://www.kslegislature.gov/b2025_26/laws/016a_000_0000_chapter/016a_005_0000_article/016a_005_0111_section/016a_005_0111_k/?utm_source=chatgpt.com))\n\nTherefore, a purported acceleration date cannot be accepted without checking:\n\n- Whether the transaction falls within the UCCC.\n- Whether the default was only missed payment.\n- Whether a cure notice was required.\n- When it was given.\n- Whether the cure period expired.\n- Whether the consumer cured.\n- Whether a prior cure notice had already exhausted the right.\n\nThe UCCC does not itself create a new universal limitations period for ordinary consumer-credit claims; it can change when acceleration becomes legally enforceable.\n\n## B7. Assignment, sale, and charge-off\n\nNeither K.S.A. 60-510 nor K.S.A. 60-520 identifies assignment, sale, servicing transfer, collection placement, or charge-off as an accrual or revival event.\n\nAbsent a new enforceable contract, novation, valid acknowledgment, or payment:\n\nPlain text\n```\nAssignment date ≠ new breach date\nDebt-sale date  ≠ new accrual date\nCharge-off date ≠ automatic acceleration date\nCollector intake date ≠ new limitations period\n```\n\nThe assignee acquires the existing claim subject to the existing classification, accrual history, defenses, and applicable borrowing rules. The assignee’s identity cannot improve the limitations position merely through transfer.\n\n# C. Revival, acknowledgment, and new promises\n\n## C1. Current statutory rule\n\nK.S.A. 60-520 recognizes three distinct events in a contract case:\n\n1. Payment of any part of principal or interest.\n2. Acknowledgment of an existing liability, debt, or claim.\n3. Promise to pay it.\n\nAfter a qualifying event, an action may be brought within the period prescribed for that claim, measured from the payment, acknowledgment, or promise. A separate acknowledgment or promise must be in writing and signed by the party charged. Payment need not itself be embodied in a signed writing. ([Kansas Legislature](https://www.kslegislature.gov/b2025_26/laws/060_000_0000_chapter/060_005_0000_article/060_005_0020_section/060_005_0020_k/?utm_source=chatgpt.com))\n\nThis is more accurately described as **revival or recommencement**, not a mere pause of the old clock.\n\n## C2. Payment predicates\n\nA payment does not restart the period merely because the creditor’s ledger contains a credit. Kansas authority requires circumstances showing that:\n\n- The payment was made by the obligor or someone acting at the obligor’s direction.\n- It was actually applied as part payment of the obligation in question.\n- The circumstances acknowledge a present existing liability.\n- For another joint debtor, the statutory authority, knowledge and consent, or ratification requirements are satisfied. [Justia Law](https://law.justia.com/cases/kansas/supreme-court/1959/41-238-0.html)\n\nPotentially insufficient events include:\n\n- Creditor’s unilateral accounting credit.\n- Unauthorized third-party payment.\n- Involuntary seizure or garnishment.\n- Payment clearly designated for a different account.\n- Refund, reversal, promotional credit, or bookkeeping adjustment.\n- Payment accompanied by a complete denial that any further amount is owed.\n\nActual authorization and intent remain factual issues.\n\n## C3. Payment can revive a time-barred debt\n\nA valid payment can revive a claim even after the original limitations period has expired. The final Kansas Supreme Court decision in *O’Malley v. Frazier* involved a time-barred written promissory note and a later $5,000 principal payment. [FindLaw](https://caselaw.findlaw.com/ks-supreme-court/1321419.html)\n\nBut *O’Malley* also establishes an important limitation: a payment may be expressly qualified. Because the makers consistently acknowledged principal but disavowed interest, the Kansas Supreme Court held that the payment revived the remaining principal but not the barred interest. The Supreme Court reversed the broader Court of Appeals ruling that payment necessarily revived the entire note. [FindLaw](https://caselaw.findlaw.com/ks-supreme-court/1321419.html)\n\nAccordingly:\n\n| Payment circumstances | Potential effect |\n| --- | --- |\n| Unqualified payment acknowledging entire debt | Can begin a new period for the acknowledged debt |\n| Payment expressly limited to principal | May revive principal without barred interest |\n| Payment expressly limited to a specified portion or claim | Effect can be limited to that portion |\n| Payment paired with denial of any remaining liability | Revival may fail or be limited |\n| Creditor’s unilateral ledger credit | Does not establish debtor acknowledgment |\n| Payment by one joint debtor | Does not automatically revive against another |\n\nThis is why “any payment restarts the clock” is materially overbroad.\n\n## C4. Written acknowledgment or promise\n\nA nonpayment acknowledgment or promise must be:\n\n- In writing.\n- Signed by the party to be charged.\n- Attributable to that person.\n- Acknowledgment of a present existing debt or a promise to pay it.\n- Sufficiently distinct and unequivocal under Kansas case law.\n\nAn oral statement alone—such as “I intend to pay someday”—does not satisfy the signed-writing branch. An oral statement accompanying an actual part payment can, however, qualify or limit the payment’s effect under *O’Malley*. [FindLaw](https://caselaw.findlaw.com/ks-supreme-court/1321419.html)\n\n## C5. Electronic acknowledgment\n\nKansas UETA provides that an electronic record can satisfy a writing requirement and an electronic signature can satisfy a signature requirement, but only where the parties agreed to transact electronically and the signature or record is attributable to the purported signer. ([Kansas Legislature](https://www.kslegislature.gov/b2025_26/laws/016_000_0000_chapter/016_016_0000_article/016_016_0005_section/016_016_0005_k/?utm_source=chatgpt.com)) ([Kansas Legislature](https://www.kslegislature.gov/b2025_26/laws/016_000_0000_chapter/016_016_0000_article/016_016_0009_section/016_016_0009_k/?utm_source=chatgpt.com))\n\nAn email, text, portal click, or typed name therefore does not automatically revive a debt. Relevant evidence includes:\n\n- Whether the parties agreed to transact electronically.\n- Whether the communication was authored or adopted by the consumer.\n- Whether the typed name or process was used with intent to sign.\n- Whether the communication acknowledges the debt rather than disputes it.\n- Whether the amount or obligation can be identified.\n- Whether the promise is conditional.\n- Whether an agent had authority.\n\n## C6. Settlement negotiations\n\nA settlement offer, request for information, or statement made during negotiations is not automatically:\n\n- A qualifying part payment.\n- A signed acknowledgment of present liability.\n- An unconditional promise to pay.\n- A waiver of the limitations defense.\n\nThe exact language and accompanying conduct control. A conditional proposal such as “I will pay $500 only if this fully settles every claim” does not necessarily acknowledge the unpaid remainder. *O’Malley* confirms that qualifications accompanying payment matter. [FindLaw](https://caselaw.findlaw.com/ks-supreme-court/1321419.html)\n\n## C7. Revival and negotiable instruments\n\nK.S.A. 60-520 applies to cases founded on contract, but K.S.A. 84-3-118 supplies specific periods for negotiable instruments. No controlling Kansas case located in this pass comprehensively reconciles current §60-520 revival with every subsection of §84-3-118.\n\nAccordingly:\n\n- This pass does not assume that every revived negotiable note receives five years.\n- The instrument must first be classified.\n- The exact applicable “period prescribed for the same” should be tested against Article 3.\n- The examples below use ordinary written or unwritten contractual obligations unless expressly identified as negotiable instruments.\n\n# D. Choice of law, borrowing, tolling, and savings\n\n## D1. Kansas forum treatment of limitations\n\nKansas generally treats statutes of limitation as procedural. In *Sun Oil Co. v. Wortman*, the U.S. Supreme Court held that Kansas could constitutionally apply its own limitations period to claims whose substantive law came from another state because Kansas had long treated limitation periods as procedural. The official U.S. Reports PDF was read at printed page 717/PDF index 0 and printed page 722/index 5. [GovInfo+1](https://www.govinfo.gov/content/pkg/USREPORTS-486/pdf/USREPORTS-486-717.pdf)\n\nThat does not eliminate Kansas’s borrowing statute or a valid express contractual limitations selection. It establishes the forum-law baseline.\n\n## D2. Generic choice-of-law clauses\n\n*Western Video Collectors v. Mercantile Bank* holds that a generic clause saying another state’s “law” governs ordinarily imports substantive law, not that state’s limitations period. The foreign limitations rule applies by agreement only when the parties expressly select it. [Justia Law](https://law.justia.com/cases/kansas/court-of-appeals/1997/75342.html)\n\nOutside a covered UCCC transaction:\n\n| Clause | Likely Kansas result |\n| --- | --- |\n| “This agreement is governed by State X law” | Kansas limitation generally remains procedural/forum law |\n| “State X’s statute of limitations governs all claims” | Potentially effective, but enforceability and public-policy issues remain claim-specific |\n| No clause | Kansas forum limitation plus borrowing statute analysis |\n\n## D3. Kansas UCCC choice restrictions\n\nFor consumer-credit transactions to which the Kansas UCCC applies, current K.S.A. 16a-1-201(7), effective January 1, 2025, invalidates consumer agreements selecting:\n\n- Another state’s law.\n- Another state’s jurisdiction.\n- A fixed venue,\n\nexcept for the narrow nonresident-consumer branch in subsection (3). ([Kansas Legislature](https://www.kslegislature.gov/b2025_26/laws/016a_000_0000_chapter/016a_001_0000_article/016a_001_0201_section/016a_001_0201_k/?utm_source=chatgpt.com))\n\nThus, even an express foreign-limitations clause may fail where it is embedded in a covered Kansas UCCC consumer-credit agreement.\n\n## D4. Kansas borrowing statute\n\nK.S.A. 60-516 provides that when a cause of action arises in another state or country and is barred there, it is also barred in Kansas. The exception protects a Kansas resident who held the cause of action from the time it accrued. ([Kansas Legislature](https://www.kslegislature.gov/b2025_26/laws/060_000_0000_chapter/060_005_0000_article/060_005_0016_section/060_005_0016_k/?utm_source=chatgpt.com))\n\nThe rule is asymmetric:\n\nPlain text\n```\nForeign claim already barred where it arose:\ngenerally barred in Kansas\n\nForeign jurisdiction supplies a longer period:\nKansas does not automatically borrow the longer period\n\nKansas resident held claim from accrual:\nstatutory exception may apply\n```\n\nIn *Green v. Kensinger*, the Kansas Supreme Court treated the place where the claimant first had a right to sue as material to where the claim arose; the mere place where the underlying transaction began was not automatically controlling. [Justia Law](https://law.justia.com/cases/kansas/supreme-court/1967/44-774-0.html)\n\nA debt buyer’s current headquarters or acquisition location does not necessarily become the place of accrual.\n\n## D5. Absence and concealment\n\nK.S.A. 60-517 can exclude time during which the defendant is out of Kansas, has absconded, or is concealed. But the statute expressly denies that extension where the defendant’s whereabouts are known and service can be made under Kansas’s service provisions. ([Kansas Legislature](https://www.kslegislature.gov/b2025_26/laws/060_000_0000_chapter/060_005_0000_article/060_005_0017_section/060_005_0017_k/?utm_source=chatgpt.com))\n\nModern long-arm and out-of-state service often make physical absence insufficient. Actual location and service availability matter.\n\n## D6. Legal disability\n\nK.S.A. 60-515 can extend certain nonpenalty claims for:\n\n- A person under 18.\n- An incapacitated person.\n- A qualifying prisoner lacking court access.\n\nThe person generally receives one year after removal of the disability, subject to the statute’s eight-year outer limit from the act giving rise to the claim. The provision concerns the person entitled to bring the action; in an ordinary creditor claim, consumer disability ordinarily does not enlarge the creditor’s period merely because the consumer is a minor or incapacitated. ([Kansas Legislature](https://www.kslegislature.gov/b2025_26/laws/060_000_0000_chapter/060_005_0000_article/060_005_0015_section/060_005_0015_k/?utm_source=chatgpt.com))\n\n## D7. Savings statute\n\nIf a timely action fails otherwise than on the merits after the original period has expired, K.S.A. 60-518 can allow a new action within six months. The result depends on:\n\n- Whether the first action was timely.\n- Whether it failed otherwise than on the merits.\n- Whether the second action asserts the same claim in the legally required sense.\n- Whether another statute displaces the savings rule. ([Kansas Legislature](https://www.kslegislature.gov/b2025_26/laws/060_000_0000_chapter/060_005_0000_article/060_005_0018_section/060_005_0018_k/?utm_source=chatgpt.com))\n\nA voluntary dismissal or service failure is not assumed to qualify without the actual procedural record.\n\n## D8. Injunction tolling\n\nK.S.A. 60-519 excludes from the limitations period time during which commencement of the action is stayed by an injunction. ([Kansas Legislature](https://www.kslegislature.gov/b2025_26/laws/060_000_0000_chapter/060_005_0000_article/060_005_0019_section/060_005_0019_k/?utm_source=chatgpt.com))\n\nNo general equitable-tolling doctrine for all consumer-debt claims was established in the sources reviewed.\n\n## D9. Bankruptcy stay\n\n11 U.S.C. §108(c) provides that where nonbankruptcy law fixes a period for commencing a civil action against the debtor and the period had not expired before the bankruptcy filing, the deadline is the later of:\n\n1. The end of the nonbankruptcy period, including any suspension; or\n2. Thirty days after notice of termination or expiration of the stay. ([U.S. Code](https://uscode.house.gov/us/usc/119-118/t11/s108/?utm_source=chatgpt.com))\n\nKansas appellate authority has treated the automatic stay as an injunction for K.S.A. 60-519 purposes in the context considered there, thereby incorporating a state-law suspension into §108(c)’s first branch. [Justia Law](https://law.justia.com/cases/kansas/court-of-appeals/1998/77635.html)\n\nThis does not authorize double counting. The calculation requires:\n\n- Petition date.\n- Whether the claim was still alive.\n- Stay scope.\n- Stay termination or expiration.\n- Notice date.\n- Any Kansas suspension.\n- Any discharge or injunction affecting enforceability.\n\nFull bankruptcy procedure remains excluded.\n\n# E. Commencement, assertion, waiver, and time-barred collection\n\n## E1. Filing plus service\n\nUnder K.S.A. 60-203:\n\n- A civil action is commenced at filing if service or publication occurs within 90 days.\n- The court can extend that period by 30 days upon good cause.\n- If service occurs later without a qualifying extension, commencement is the service date.\n- Where attempted service is later adjudicated invalid, the statute provides a separate cure period after that adjudication, subject to its conditions. ([Kansas Legislature](https://www.kslegislature.gov/b2025_26/laws/060_000_0000_chapter/060_002_0000_article/060_002_0003_section/060_002_0003_k/?utm_source=chatgpt.com))\n\nIn *Le v. Joslin*, the Kansas Court of Appeals applied this rule and rejected the idea that the defendant’s actual knowledge substituted for timely legal service. [Justia Law](https://law.justia.com/cases/kansas/court-of-appeals/2009/98907.html)\n\nA petition filed on the last day can therefore still become untimely if service is not completed within the relation-back period.\n\n## E2. Computing terminal days\n\nK.S.A. 60-206 applies when a Kansas statute does not specify another computation method:\n\n- Exclude the triggering day.\n- Count every intermediate day, including weekends and legal holidays.\n- Extend a terminal Saturday, Sunday, or legal holiday to the next nonholiday.\n- Apply the statute’s legal-holiday definition. ([Kansas Legislature](https://www.kslegislature.gov/b2025_26/laws/060_000_0000_chapter/060_002_0000_article/060_002_0006_section/060_002_0006_k/?utm_source=chatgpt.com))\n\nCourt closure and filing-hour issues require actual court facts and are not assumed in the examples.\n\n## E3. Affirmative defense and waiver\n\nK.S.A. 60-208(c) lists statute of limitations as an affirmative defense. Kansas appellate authority has held that the defense can be waived if not pleaded and that a trial court cannot simply inject it sua sponte in circumstances where it was not properly raised. ([Kansas Legislature](https://www.kslegislature.gov/b2025_26/laws/060_000_0000_chapter/060_002_0000_article/060_002_0008_section/060_002_0008_k/?utm_source=chatgpt.com)) [Justia Law](https://law.justia.com/cases/kansas/court-of-appeals/1984/55-617-7.html)\n\nThis does not mean a court must ignore an obvious time bar in every procedural setting. Pleading, amendment, default, jurisdiction, and special statutory rules remain later litigation questions.\n\n## E4. Expiration does not extinguish the debt\n\nKansas cases describe limitation as barring the remedy rather than extinguishing the underlying obligation. Some older decisions use “repose” terminology, but they do not treat expiration as satisfaction or discharge of the debt. [Justia Law+1](https://law.justia.com/cases/kansas/supreme-court/1956/40-202-0.html)\n\nConsequences include:\n\n- A valid voluntary payment can still be made.\n- The obligation can potentially be revived under K.S.A. 60-520.\n- A time-barred claim is not the same as a paid, forgiven, discharged, or nonexistent debt.\n- Federal law can prohibit suit or threats by covered debt collectors even though the obligation persists.\n\n## E5. Federal time-barred-debt overlay\n\nRegulation F defines a time-barred debt by reference to the applicable limitations law. A federal FDCPA debt collector may not bring or threaten a legal action to collect it. Filing a proof of claim in bankruptcy is excluded from that particular prohibition. ([eCFR](https://www.ecfr.gov/current/title-12/chapter-X/part-1006/subpart-B/section-1006.26?utm_source=chatgpt.com))\n\nThe rule applies only when:\n\n- The obligation is a federal consumer “debt.”\n- The actor is a federal “debt collector.”\n- The applicable state-law period has expired.\n- The communication or conduct constitutes suit or a threat of suit.\n\nIt does **not** categorically prohibit:\n\n- A truthful statement that payment is voluntary.\n- A nonthreatening settlement request.\n- Accepting a voluntary payment.\n- Every original-creditor communication.\n\nThe applicable-law calculation must be completed before labeling a debt time-barred. ([U.S. Code](https://uscode.house.gov/us/usc/119-118/t15/s1692a/?utm_source=chatgpt.com))\n\nNo general Kansas statute requiring a time-barred-debt disclosure in every voluntary collection communication was verified in this pass.\n\n# F. Accrual and process matrix\n\n| Event | Potential legal effect | Conditions | What it does **not** establish automatically |\n| --- | --- | --- | --- |\n| Payment due and unpaid | Accrual for that installment or matured obligation | Present right to sue; any cure conditions satisfied | Accrual of every future installment |\n| Contract maturity | Accrual of remaining matured balance | Obligation actually reaches stated maturity | Prior acceleration |\n| Automatic-acceleration default | Full balance can accrue | Absolute clause and qualifying default | Validity if UCCC cure rights remain |\n| Optional-acceleration notice | No full accrual unless validly exercised | Clear election plus affirmative act | A conditional future warning is insufficient |\n| Charge-off | Accounting/regulatory event | — | Breach, acceleration, or new accrual |\n| Debt sale or assignment | Ownership/servicing transfer | Valid transfer | New limitations period |\n| Cancellation of credit privileges | Stops future use | Contract terms | Acceleration of existing balance |\n| Last charge | Account activity | Relevant only if contract or account doctrine makes it so | Universal accrual date |\n| Last payment | Payment history; possible revival event | Must satisfy K.S.A. 60-520 predicates | Automatic accrual or automatic revival |\n| Written acknowledgment | Can begin a new period | Signed, attributable, present liability identified | Revival through vague dispute or inquiry |\n| Part payment | Can revive acknowledged obligation | Authorized and attributable; circumstances acknowledge liability | Revival of unacknowledged joint debtor or expressly disavowed portion |\n| Account statement retained | Can support account-stated theory | Assent and meeting of minds | Automatic agreement from silence in every case |\n| Filing petition | Begins action conditionally | Timely service/publication required for filing-date relation | Final commencement by itself |\n| Service within 90 days | Relates commencement to filing | Valid service | Claim merits |\n| Bankruptcy filing | Can suspend or extend deadline | Claim alive; stay applies; §108(c) and Kansas tolling facts | Automatic discharge or permanent bar |\n| Reporting expiration | Credit-reporting consequence | FCRA/Kansas reporting rules | Suit limitation or debt extinction |\n\n# G. Bounded worked examples\n\nAll examples are hypothetical. They do not establish debt validity, fee or interest authorization, ownership, proper notice, actual accrual, or permission to sue. No actual consumer, provider, account, contract, or court record is used.\n\n## G1. Same breach, written versus unwritten classification\n\n**Assumptions**\n\n- Cause of action accrues January 3, 2022.\n- No revival, tolling, acceleration dispute, borrowing rule, bankruptcy, or special statute.\n- Kansas forum and ordinary computation apply.\n\n### Branch A — Complete written agreement\n\nPlain text\n```\nAccrual date                           January 3, 2022\nApplicable period                      5 years\nFifth anniversary                      January 3, 2027\nJanuary 3, 2027                        Sunday\nTerminal day under K.S.A. 60-206       Monday, January 4, 2027\n```\n\n### Branch B — Unwritten or implied obligation\n\nPlain text\n```\nAccrual date                           January 3, 2022\nApplicable period                      3 years\nThird anniversary                      January 3, 2025\nJanuary 3, 2025                        Friday\nTerminal day                           January 3, 2025\n```\n\nThe arithmetic is reliable only after the claim is correctly classified.\n\n## G2. Credit-card classification held\n\n**Hypothetical facts**\n\n- Issuer has statements and proof of card use.\n- The signed application is available.\n- The operative cardholder agreement and several amendments are missing.\n- Statements contain the balance but not every governing contractual term.\n\n**Branches**\n\n| Legal theory | Possible period | Missing evidence |\n| --- | --- | --- |\n| Complete written card agreement | 5 years | Complete operative agreement, amendments, promise, due-date and default terms |\n| Implied agreement through use and payment | 3 years | Evidence of terms actually accepted |\n| Account stated | 3 or 5 depending form | Assent to final balance and form of the new promise |\n| Negotiable instrument | Usually inapplicable to an ordinary card account | Instrument meeting Article 3 elements |\n\n**Result:** No terminal date can be calculated merely from the last statement or charge-off date.\n\n## G3. Installments versus acceleration\n\n**Hypothetical facts**\n\n- Written unsecured installment contract.\n- Installments due January 1, February 1, and March 1, 2022.\n- Five-year written-contract branch assumed.\n- No revival or tolling.\n\n### Branch A — No acceleration\n\nPlain text\n```\nJanuary installment deadline   January 1, 2027, subject to holiday/weekend adjustment\nFebruary installment deadline  February 1, 2027\nMarch installment deadline     March 1, 2027\n```\n\nFuture installments keep their own maturity dates.\n\n### Branch B — Automatic acceleration on March 1, 2022\n\nIf the clause is absolute and the March default satisfies it:\n\nPlain text\n```\nFull accelerated balance accrual     March 1, 2022\nNominal five-year anniversary         March 1, 2027\n```\n\n### Branch C — Optional acceleration\n\nIf the creditor sends a conditional cure notice April 1 but does not clearly elect and affirmatively enforce acceleration until May 15:\n\nPlain text\n```\nConditional notice date               April 1, 2022\nCompleted optional acceleration       May 15, 2022\nPotential full-balance accrual        May 15, 2022\n```\n\nA covered UCCC cure period could alter that result. The contract and notices are indispensable.\n\n## G4. Assignment without new promise\n\n**Assumptions**\n\n- Written unsecured contract breached June 30, 2021.\n- Claim accrued that date.\n- Debt sold September 1, 2023.\n- No payment, acknowledgment, novation, tolling, or acceleration issue.\n\nPlain text\n```\nOriginal accrual                   June 30, 2021\nDebt-sale date                     September 1, 2023\nNew accrual caused by sale         None\nFive-year anniversary              June 30, 2026\n```\n\nThe purchaser receives the existing claim; the sale does not move the deadline to 2028.\n\n## G5. Valid part payment after the old period expired\n\n**Assumptions**\n\n- Ordinary nonnegotiable written contract.\n- Original five-year period has expired.\n- Debtor voluntarily makes a qualifying payment on May 10, 2024.\n- Payment is authorized, attributable, and unqualified.\n- No tolling or special statute.\n\nPlain text\n```\nRevival event                      May 10, 2024\nApplicable restarted period        5 years\nNew anniversary                    May 10, 2029\nMay 10, 2029                       Thursday\n```\n\n### Qualified payment branch\n\nIf the payment is delivered with an express statement:\n\n“This payment acknowledges principal only; I deny all interest.”\n\nUnder *O’Malley*, principal may be revived while barred interest remains barred, depending on the proven circumstances.\n\n### Invalid ledger-credit branch\n\nIf the creditor merely posts a $100 internal adjustment without consumer authorization:\n\nPlain text\n```\nQualifying consumer payment        Not established\nRevival                            Not established\n```\n\n## G6. Signed electronic acknowledgment\n\n**Hypothetical facts**\n\n- Original ordinary written debt.\n- On November 30, 2023, the consumer sends an authenticated e-signed message:\n“I acknowledge that I currently owe $4,000 and promise to pay it.”\n- Parties had agreed to transact electronically.\n- Authorship and signature intent are established.\n- No qualification, dispute, or agency issue.\n\nPlain text\n```\nPotential acknowledgment date      November 30, 2023\nUnderlying prescribed period       5 years\nPotential new anniversary          November 30, 2028\n```\n\nIf the message is an unsigned inquiry—“Please explain why you say I owe $4,000”—it does not establish the same acknowledgment.\n\n## G7. Cross-border branch\n\n**Hypothetical facts**\n\n- Claim first became actionable in State X.\n- State X barred the claim on September 1, 2025.\n- Creditor was not a Kansas resident continuously holding the claim from accrual.\n- Suit is later filed in Kansas.\n\nPlain text\n```\nForeign bar date                   September 1, 2025\nKansas borrowing consequence       Claim generally barred in Kansas\n```\n\n### Kansas-resident-holder branch\n\nIf the claimant was a Kansas resident holding the claim from accrual, K.S.A. 60-516’s resident exception may preserve resort to Kansas’s own period.\n\n### Generic choice clause\n\nA clause stating only “State X law governs” ordinarily does not import State X’s limitation under *Western Video*. A covered Kansas UCCC transaction may invalidate the foreign-law clause altogether.\n\n## G8. Negotiable demand note\n\n### Demand made\n\n**Assumptions**\n\n- Instrument qualifies as a negotiable demand note.\n- Valid demand made June 15, 2022.\n- No payment, tolling, or other subsection applies.\n\nPlain text\n```\nDemand date                        June 15, 2022\nApplicable period                  6 years\nSixth anniversary                  June 15, 2028\nJune 15, 2028                      Thursday\n```\n\n### No demand\n\nIf no demand is made, the action is barred after a continuous ten-year period with no principal or interest payment. The exact beginning cannot be calculated without the instrument’s issue history and last payment.\n\n## G9. Last-day filing and service relation\n\n**Assumptions**\n\n- Claim’s adjusted terminal filing date is Monday, January 4, 2027.\n- Petition is filed that day.\n- No good-cause extension is initially requested.\n- Ordinary K.S.A. 60-203 and 60-206 apply.\n\nPlain text\n```\nFiling/event date                  January 4, 2027\nDay 1 of service period            January 5, 2027\nDay 90                             April 4, 2027\nApril 4, 2027                      Sunday\nAdjusted service deadline          Monday, April 5, 2027\n```\n\nIf valid service occurs April 5, commencement relates back to January 4.\n\nIf service occurs later and no statutory extension or invalid-service cure applies, commencement ordinarily becomes the actual service date, potentially making the action untimely.\n\n## G10. Bankruptcy suspension\n\n**Assumptions**\n\n- Claim is alive when bankruptcy begins.\n- Exactly 100 days remain under nonbankruptcy law.\n- Automatic stay lasts 240 days.\n- Kansas treats the stay as an injunction suspending the state period.\n- Stay-termination notice is received the day the stay ends.\n- No discharge or other injunction bars the action.\n\nPlain text\n```\nTime remaining at petition                  100 days\nState-law suspended interval                240 days\nRemaining period after stay ends            100 days\nFederal minimum after notice                 30 days\n\nLater of the two                            100 days after stay ends\n```\n\nThe 240-day suspension is not added again after already preserving the 100 unused days. If notice of stay termination occurs later, the §108(c)(2) branch must be recalculated.\n\n# H. Source register\n\n| Source ID | Title, issuer, and full literal URL | Exact text or passage read | Version, status, access, and limits |\n| --- | --- | --- | --- |\n| **S_KS-P12-S001** | Kansas Revisor, general contract limitation statutes: https://www.kslegislature.gov/b2025_26/laws/060_000_0000_chapter/060_005_0000_article/060_005_0010_section/060_005_0010_k/ https://www.kslegislature.gov/b2025_26/laws/060_000_0000_chapter/060_005_0000_article/060_005_0011_section/060_005_0011_k/ https://www.kslegislature.gov/b2025_26/laws/060_000_0000_chapter/060_005_0000_article/060_005_0012_section/060_005_0012_k/ | Complete K.S.A. 60-510; §60-511(1); §60-512(1) | **Fresh Oct. 26, 2026 Pacific/UTC.** Official current 2026 HTML; no printed page or PDF index. Website update timestamp is not enactment date. No complete amendment-history audit. ([Kansas Legislature](https://www.kslegislature.gov/b2025_26/laws/060_000_0000_chapter/060_005_0000_article/060_005_0011_section/060_005_0011_k/?utm_source=chatgpt.com)) |\n| **S_KS-P12-S002** | Kansas Revisor, disability, borrowing, absence, savings, injunction, and revival: https://www.kslegislature.gov/b2025_26/laws/060_000_0000_chapter/060_005_0000_article/060_005_0015_section/060_005_0015_k/ https://www.kslegislature.gov/b2025_26/laws/060_000_0000_chapter/060_005_0000_article/060_005_0016_section/060_005_0016_k/ https://www.kslegislature.gov/b2025_26/laws/060_000_0000_chapter/060_005_0000_article/060_005_0017_section/060_005_0017_k/ https://www.kslegislature.gov/b2025_26/laws/060_000_0000_chapter/060_005_0000_article/060_005_0018_section/060_005_0018_k/ https://www.kslegislature.gov/b2025_26/laws/060_000_0000_chapter/060_005_0000_article/060_005_0019_section/060_005_0019_k/ https://www.kslegislature.gov/b2025_26/laws/060_000_0000_chapter/060_005_0000_article/060_005_0020_section/060_005_0020_k/ | Complete materially relevant §§60-515 through 60-520 | **Fresh.** Current 2026 HTML. Current §60-520(b) displays “satisfied*”; controlling cases use authorization, knowledge/consent, and ratification concepts. No historical codification correction was inferred. ([Kansas Legislature](https://www.kslegislature.gov/b2025_26/laws/060_000_0000_chapter/060_005_0000_article/060_005_0020_section/060_005_0020_k/?utm_source=chatgpt.com)) |\n| **S_KS-P12-S003** | Kansas Revisor, commencement, time computation, and affirmative defenses: https://www.kslegislature.gov/b2025_26/laws/060_000_0000_chapter/060_002_0000_article/060_002_0003_section/060_002_0003_k/ https://www.kslegislature.gov/b2025_26/laws/060_000_0000_chapter/060_002_0000_article/060_002_0006_section/060_002_0006_k/ https://www.kslegislature.gov/b2025_26/laws/060_000_0000_chapter/060_002_0000_article/060_002_0008_section/060_002_0008_k/ | Complete materially relevant §§60-203, 60-206(a), and 60-208(c) | **Fresh.** Current text. Full service-method, venue, appearance, default, and procedural-rule analysis excluded. ([Kansas Legislature](https://www.kslegislature.gov/b2025_26/laws/060_000_0000_chapter/060_002_0000_article/060_002_0003_section/060_002_0003_k/?utm_source=chatgpt.com)) |\n| **S_KS-P12-S004** | Kansas Revisor, negotiable-instrument provisions: https://www.kslegislature.gov/b2025_26/laws/084_000_0000_chapter/084_003_0000_article/084_003_0104_section/084_003_0104_k/ https://www.kslegislature.gov/b2025_26/laws/084_000_0000_chapter/084_003_0000_article/084_003_0108_section/084_003_0108_k/ https://www.kslegislature.gov/b2025_26/laws/084_000_0000_chapter/084_003_0000_article/084_003_0118_section/084_003_0118_k/ | Complete materially relevant §§84-3-104, 84-3-108, and 84-3-118 | **Fresh.** Current 2026 statute text. No instrument-specific contract was reviewed. Article 2 sale-of-goods limitations excluded. ([Kansas Legislature](https://www.kslegislature.gov/b2025_26/laws/084_000_0000_chapter/084_003_0000_article/084_003_0118_section/084_003_0118_k/?utm_source=chatgpt.com)) |\n| **S_KS-P12-S005** | Kansas Revisor, UCCC territorial application, default, and cure: https://www.kslegislature.gov/b2025_26/laws/016a_000_0000_chapter/016a_001_0000_article/016a_001_0201_section/016a_001_0201_k/ https://www.kslegislature.gov/b2025_26/laws/016a_000_0000_chapter/016a_005_0000_article/016a_005_0109_section/016a_005_0109_k/ https://www.kslegislature.gov/b2025_26/laws/016a_000_0000_chapter/016a_005_0000_article/016a_005_0111_section/016a_005_0111_k/ | Complete material §§16a-1-201, 16a-5-109, and 16a-5-111 | **Fresh.** Choice-of-law subsection and amended cure section effective Jan. 1, 2025. No full UCCC coverage or remedy audit. ([Kansas Legislature](https://www.kslegislature.gov/b2025_26/laws/016a_000_0000_chapter/016a_001_0000_article/016a_001_0201_section/016a_001_0201_k/?utm_source=chatgpt.com)) |\n| **S_KS-P12-S006** | Kansas UETA, Kansas Revisor: https://www.kslegislature.gov/b2025_26/laws/016_000_0000_chapter/016_016_0000_article/016_016_0005_section/016_016_0005_k/ https://www.kslegislature.gov/b2025_26/laws/016_000_0000_chapter/016_016_0000_article/016_016_0007_section/016_016_0007_k/ https://www.kslegislature.gov/b2025_26/laws/016_000_0000_chapter/016_016_0000_article/016_016_0009_section/016_016_0009_k/ | Agreement to electronic transactions, legal recognition, and attribution | **Fresh.** Current HTML. Used only for electronic acknowledgment/signature gateway. No provider platform or audit log reviewed. ([Kansas Legislature](https://www.kslegislature.gov/b2025_26/laws/016_000_0000_chapter/016_016_0000_article/016_016_0007_section/016_016_0007_k/?utm_source=chatgpt.com)) |\n| **S_KS-P12-S007** | 11 U.S.C. §108, Office of Law Revision Counsel: https://uscode.house.gov/us/usc/119-118/t11/s108/ | §108(c) | **Fresh.** OLRC stated law in effect through Public Law 119-120, Oct. 7, 2026. Full bankruptcy procedure excluded. ([U.S. Code](https://uscode.house.gov/us/usc/119-118/t11/s108/?utm_source=chatgpt.com)) |\n| **S_KS-P12-S008** | Federal debt-collector definition and time-barred-suit rule: https://uscode.house.gov/us/usc/119-118/t15/s1692a/ https://www.ecfr.gov/current/title-12/chapter-X/part-1006/subpart-B/section-1006.26 https://www.ecfr.gov/current/title-12/chapter-X/part-1006/appendix-Supplement%20I%20to%20Part%201006 | 15 U.S.C. §1692a; 12 C.F.R. §1006.26; official comments 26(b)-1 through 26(b)-3 | **Fresh targeted read.** eCFR displayed current through Oct. 22, 2026. Used only for time-barred suit/threat boundary; no full FDCPA conduct or remedy rerun. ([eCFR](https://www.ecfr.gov/current/title-12/chapter-X/part-1006/subpart-B/section-1006.26?utm_source=chatgpt.com)) |\n| **S_KS-P12-S009** | *Miller v. William A. Smith Constructing Co.*, Kansas Supreme Court: https://law.justia.com/cases/kansas/supreme-court/1979/49-588-1.html | 226 Kan. 172, 174–75; HTML lines 68–101 | **Fresh full relevant opinion read.** Published controlling opinion, July 14, 1979. Public reproduction; official court PDF not located. No subsequent negative treatment found in bounded search. [Justia Law](https://law.justia.com/cases/kansas/supreme-court/1979/49-588-1.html) |\n| **S_KS-P12-S010** | *Western Video Collectors, L.P. v. Mercantile Bank*, Kansas Court of Appeals: https://law.justia.com/cases/kansas/court-of-appeals/1997/75342.html | 23 Kan. App. 2d 703; syllabus and reported pp. 706–09; HTML lines 52–82 and later accrual discussion | **Fresh relevant opinion read.** Published, March 28, 1997. Generic choice clause, accrual, written/implied contract distinctions. [Justia Law](https://law.justia.com/cases/kansas/court-of-appeals/1997/75342.html) |\n| **S_KS-P12-S011** | *Wortman v. Sun Oil Co.*, Kansas Supreme Court: https://law.justia.com/cases/kansas/supreme-court/1984/56-494-1.html | 241 Kan. 226, 271–72; mutual-open-account definition at HTML lines 104–109 | **Fresh selected read.** Published 1984 Kansas Supreme Court opinion. Oil-royalty facts; used only for open-account definition. [Justia Law](https://law.justia.com/cases/kansas/supreme-court/1984/56-494-1.html) |\n| **S_KS-P12-S012** | *Bonicamp v. McNeely*, Kansas Supreme Court: https://law.justia.com/cases/kansas/supreme-court/1963/43-127-0.html | 191 Kan. 225, 228–29; account-stated discussion at HTML lines 88–96 | **Fresh selected read.** Published 1963 opinion. No modern credit-card fact pattern. [Justia Law](https://law.justia.com/cases/kansas/supreme-court/1963/43-127-0.html) |\n| **S_KS-P12-S013** | *Goff v. Aetna Life & Casualty Co.*, Kansas Court of Appeals: https://law.justia.com/cases/kansas/court-of-appeals/1977/48-218-6.html | Installment-accrual discussion | **Fresh selected read.** Published 1977 opinion involving periodic insurance benefits; used only as a general installment-accrual gateway, not sector disposition. |\n| **S_KS-P12-S014** | *Cornett v. Roth*, Kansas Supreme Court: https://law.justia.com/cases/kansas/supreme-court/1983/55-137-1.html | 233 Kan. 936; no-acceleration holding at HTML lines 136–137 | **Fresh selected read.** Published 1983 opinion. Used for premature full-balance action without acceleration clause. [Justia Law](https://law.justia.com/cases/kansas/supreme-court/1983/55-137-1.html) |\n| **S_KS-P12-S015** | *Foundation Property Investments, LLC v. CTP, LLC*, Kansas Supreme Court: https://law.justia.com/cases/kansas/supreme-court/2008/96697.html | 286 Kan. 597; automatic/optional acceleration at HTML lines 137–158; waiver discussion elsewhere in opinion | **Fresh selected read.** Published 2008 opinion involving commercial note/lease. Used for Kansas acceleration and waiver principles, not consumer-specific conclusion. [Justia Law](https://law.justia.com/cases/kansas/supreme-court/2008/96697.html) |\n| **S_KS-P12-S016** | *Wilmington Savings Fund Society v. Holverson*, Kansas Court of Appeals: https://law.justia.com/cases/kansas/court-of-appeals/2021/122179.html | Syllabus and acceleration analysis at HTML lines 48–52, 79–87, 109–141 | **Fresh selected read.** Published May 14, 2021. Mortgage facts; used narrowly for optional-acceleration steps. [Justia Law](https://law.justia.com/cases/kansas/court-of-appeals/2021/122179.html) |\n| **S_KS-P12-S017** | *O’Malley v. Frazier*, Kansas Supreme Court: Official landing: https://kscourts.gov/Cases-Decisions/Decisions/Published/O-Malley-v-Frazier-Supreme-Court Readable opinion: https://caselaw.findlaw.com/court/ks-supreme-court/1321419.html | 273 Kan. 859; opinion lines 61–126, particularly 70–79, 83–117, and disposition at 125–126 | **Fresh full relevant read.** Final Kansas Supreme Court decision, July 12, 2002; reversed Court of Appeals and affirmed district court’s limited revival. Official landing returned HTTP 403; readable public reproduction used. [FindLaw](https://caselaw.findlaw.com/ks-supreme-court/1321419.html) |\n| **S_KS-P12-S018** | *Fisher v. Pendleton*, Kansas Supreme Court: https://law.justia.com/cases/kansas/supreme-court/1959/41-238-0.html | 184 Kan. 322; payment, acknowledgment, joint debtor, ratification at HTML lines 97–118 | **Fresh selected read.** Published 1959 opinion under predecessor statute identical in material wording. [Justia Law](https://law.justia.com/cases/kansas/supreme-court/1959/41-238-0.html) |\n| **S_KS-P12-S019** | *Hustead v. Bendix Corp.*, Kansas Supreme Court: https://law.justia.com/cases/kansas/supreme-court/1983/54-681-1.html | Part-payment discussion and remand limitation | **Fresh selected read.** Published 1983 opinion. *O’Malley* later limited reliance on its payment language because the issue was not finally decided there. [FindLaw](https://caselaw.findlaw.com/ks-supreme-court/1321419.html) |\n| **S_KS-P12-S020** | *Daniels Trucking, Inc. v. Rogers*, Kansas Court of Appeals: https://law.justia.com/cases/kansas/court-of-appeals/1982/53-541-6.html | Joint-obligor payment, authority, consent, and ratification | **Fresh selected read.** Published 1982 opinion. |\n| **S_KS-P12-S021** | *Green v. Kensinger*, Kansas Supreme Court: https://law.justia.com/cases/kansas/supreme-court/1967/44-774-0.html | Foreign accrual and K.S.A. 60-516 analysis | **Fresh selected read.** Published 1967 opinion. Used only for place-of-accrual and borrowing rule. [Justia Law](https://law.justia.com/cases/kansas/supreme-court/1967/44-774-0.html) |\n| **S_KS-P12-S022** | *Sun Oil Co. v. Wortman*, U.S. Supreme Court, official U.S. Reports PDF: https://www.govinfo.gov/content/pkg/USREPORTS-486/pdf/USREPORTS-486-717.pdf | Syllabus printed page 717/PDF index 0; opinion printed page 722/PDF index 5 | **Fresh official PDF read and screenshot inspection.** 486 U.S. 717, decided June 15, 1988. Constitutional forum-limitations holding only. [GovInfo+1](https://www.govinfo.gov/content/pkg/USREPORTS-486/pdf/USREPORTS-486-717.pdf) |\n| **S_KS-P12-S023** | *St. Joseph Development Corp. v. Sequenzia*, Kansas Court of Appeals: https://law.justia.com/cases/kansas/court-of-appeals/1998/77635.html | Bankruptcy-stay tolling discussion | **Fresh selected read.** Published 1998 opinion involving judgment dormancy; used narrowly for §60-519/§108(c) interaction. [Justia Law](https://law.justia.com/cases/kansas/court-of-appeals/1998/77635.html) |\n| **S_KS-P12-S024** | *Le v. Joslin*, Kansas Court of Appeals: https://law.justia.com/cases/kansas/court-of-appeals/2009/98907.html | K.S.A. 60-203 filing, service, and actual-knowledge discussion | **Fresh selected read.** Published 2009 opinion. Full service-method analysis excluded. [Justia Law](https://law.justia.com/cases/kansas/court-of-appeals/2009/98907.html) |\n| **S_KS-P12-S025** | *O’Donnell v. Fletcher*, Kansas Court of Appeals: https://law.justia.com/cases/kansas/court-of-appeals/1984/55-617-7.html | Affirmative defense, waiver, and sua-sponte issue | **Fresh selected read.** Published 1984 opinion. Procedural context limits universalization. [Justia Law](https://law.justia.com/cases/kansas/court-of-appeals/1984/55-617-7.html) |\n| **S_KS-P12-S026** | Kansas limitations-effect cases: *Bomud Co. v. Yockey Oil Co.*: https://law.justia.com/cases/kansas/supreme-court/1956/40-202-0.html *In re Estate of Wernet*: https://law.justia.com/cases/kansas/supreme-court/1979/50-267-1.html | Remedy-bar versus debt-extinguishment discussions | **Fresh selected read.** Published Kansas Supreme Court opinions. “Repose” wording is not treated as a modern substantive statute-of-repose holding. [Justia Law+1](https://law.justia.com/cases/kansas/supreme-court/1956/40-202-0.html) |\n| **S_KS-P12-S027** | *CoreFirst Bank & Trust v. Tuckness*, Kansas Court of Appeals: Official landing: https://kscourts.gov/Cases-Decisions/Decisions/Unpublished/CoreFirst-Bank-Trust-v-Tuckness-1 Readable opinion: https://caselaw.findlaw.com/court/ks-court-of-appeals/1888122.html | Credit-card contract, three-year trial ruling, partial payment, and abandoned appellate issue | **Fresh readable-opinion check.** Unpublished Feb. 2, 2018; official landing returned 403. Apparent statutory citation typo preserved as source defect. Not controlling classification authority. [FindLaw](https://caselaw.findlaw.com/court/ks-court-of-appeals/1888122.html) |\n| **S_KS-P12-S028** | *First National Bank of Omaha v. Lucas*, Kansas Court of Appeals: https://law.justia.com/cases/kansas/court-of-appeals/2024/127685.html | Credit-card proof through admissions, use, and statements | **Fresh selected read.** 2024 memorandum opinion, not designated for publication. No limitations classification holding. [Justia Law](https://law.justia.com/cases/kansas/court-of-appeals/2024/127685.html) |\n| **S_KS-P12-S029** | Kansas Courts bounded credit-card search results: https://kscourts.gov/Cases-Decisions/Decisions/Unpublished/Portfolio-Recovery-Associates-v-Kimrey | Search result identified unpublished *Kimrey* and stated parties agreed on three-year unwritten-contract period | **Discovery/access failure.** Official page returned HTTP 403, so the complete opinion was not read and is not relied upon for a substantive holding. No full Kansas citator or trial-court docket search was performed. [Kansas Courts](https://kscourts.gov/Cases-Decisions/Decisions/Unpublished/Portfolio-Recovery-Associates-v-Kimrey) |\n\n# I. Claim register\n\n| Claim ID | Precise assertion | Source and pinpoint | Conditions, consequence, and confidence |\n| --- | --- | --- | --- |\n| **S_KS-P12-C001** | Kansas has no universal limitation period for all consumer debt. | S001–S005 | **High.** Claim and instrument classification control. |\n| **S_KS-P12-C002** | An ordinary written contractual action generally has a five-year period. | S001, §60-511(1). ([Kansas Legislature](https://www.kslegislature.gov/b2025_26/laws/060_000_0000_chapter/060_005_0000_article/060_005_0011_section/060_005_0011_k/?utm_source=chatgpt.com)) | **High.** Specific statutes can supersede it. |\n| **S_KS-P12-C003** | An express or implied contractual obligation not in writing generally has a three-year period. | S001, §60-512(1). ([Kansas Legislature](https://www.kslegislature.gov/b2025_26/laws/060_000_0000_chapter/060_005_0000_article/060_005_0012_section/060_005_0012_k/?utm_source=chatgpt.com)) | **High.** |\n| **S_KS-P12-C004** | Five-year written status requires writings complete enough to establish all material terms without oral proof supplying an essential term. | S009, 226 Kan. at 174–75. [Justia Law](https://law.justia.com/cases/kansas/supreme-court/1979/49-588-1.html) | **High controlling rule.** |\n| **S_KS-P12-C005** | A contract partly written and partly oral is treated as oral for limitations where oral proof supplies material terms. | S009. [Justia Law](https://law.justia.com/cases/kansas/supreme-court/1979/49-588-1.html) | **High.** |\n| **S_KS-P12-C006** | Complete writing need not be signed by every party if executed by the party charged and accepted and acted upon by the other. | S009. [Justia Law](https://law.justia.com/cases/kansas/supreme-court/1979/49-588-1.html) | **High.** |\n| **S_KS-P12-C007** | No published categorical Kansas rule assigning every credit-card claim a three- or five-year period was located. | S027–S029 and bounded official searches | **Medium-high bounded finding.** Search silence is not proof no unpublished authority exists. |\n| **S_KS-P12-C008** | Unpublished *CoreFirst* does not establish a controlling universal credit-card period. | S027. [FindLaw](https://caselaw.findlaw.com/court/ks-court-of-appeals/1888122.html) | **High source-status conclusion.** |\n| **S_KS-P12-C009** | A mutual open running account requires reciprocal connected debits and credits and a shared intent to maintain one shifting balance. | S011. [Justia Law](https://law.justia.com/cases/kansas/supreme-court/1984/56-494-1.html) | **High.** Ordinary revolving debt is not automatically such an account. |\n| **S_KS-P12-C010** | Account stated is a new agreement fixing a balance and can arise from express or implied assent. | S012. [Justia Law](https://law.justia.com/cases/kansas/supreme-court/1963/43-127-0.html) | **High.** |\n| **S_KS-P12-C011** | Account stated need not be written or signed, so it does not automatically receive five years. | S012. [Justia Law](https://law.justia.com/cases/kansas/supreme-court/1963/43-127-0.html) | **High.** |\n| **S_KS-P12-C012** | A qualifying definite-time negotiable note is generally subject to six years from due date or accelerated due date. | S004, §84-3-118(a). ([Kansas Legislature](https://www.kslegislature.gov/b2025_26/laws/084_000_0000_chapter/084_003_0000_article/084_003_0118_section/084_003_0118_k/?utm_source=chatgpt.com)) | **High.** Instrument must first satisfy Article 3. |\n| **S_KS-P12-C013** | A qualifying demand note is generally subject to six years after demand. | S004, §84-3-118(b). ([Kansas Legislature](https://www.kslegislature.gov/b2025_26/laws/084_000_0000_chapter/084_003_0000_article/084_003_0118_section/084_003_0118_k/?utm_source=chatgpt.com)) | **High.** |\n| **S_KS-P12-C014** | With no demand, a demand-note action is barred after ten continuous years without principal or interest payment. | S004, §84-3-118(b). ([Kansas Legislature](https://www.kslegislature.gov/b2025_26/laws/084_000_0000_chapter/084_003_0000_article/084_003_0118_section/084_003_0118_k/?utm_source=chatgpt.com)) | **High.** Exact start requires instrument/payment facts. |\n| **S_KS-P12-C015** | A document called a note does not receive Article 3 treatment unless it satisfies §§84-3-104 and 84-3-108. | S004. ([Kansas Legislature](https://www.kslegislature.gov/b2025_26/laws/084_000_0000_chapter/084_003_0000_article/084_003_0104_section/084_003_0104_k/?utm_source=chatgpt.com)) | **High.** |\n| **S_KS-P12-C016** | A cause accrues when the claimant has a present right to maintain the action. | S001 §60-510; S010. [Justia Law](https://law.justia.com/cases/kansas/court-of-appeals/1997/75342.html) | **High.** |\n| **S_KS-P12-C017** | Continuing account activity does not postpone accrual of an already actionable breach. | S010. [Justia Law](https://law.justia.com/cases/kansas/court-of-appeals/1997/75342.html) | **High, claim-specific.** |\n| **S_KS-P12-C018** | Installments ordinarily accrue separately as each becomes due absent acceleration. | S013; S014 | **High general rule;** exact consumer-credit application depends on contract and UCCC. |\n| **S_KS-P12-C019** | Without acceleration, suit for unmatured principal can be premature. | S014. [Justia Law](https://law.justia.com/cases/kansas/supreme-court/1983/55-137-1.html) | **High.** |\n| **S_KS-P12-C020** | Absolute automatic-acceleration language can mature the full debt upon default without separate election. | S015. [Justia Law](https://law.justia.com/cases/kansas/supreme-court/2008/96697.html) | **High contract principle.** |\n| **S_KS-P12-C021** | Optional acceleration generally requires clear election and affirmative enforcement. | S016. [Justia Law](https://law.justia.com/cases/kansas/court-of-appeals/2021/122179.html) | **High, with mortgage-fact limitation.** |\n| **S_KS-P12-C022** | A conditional future acceleration threat is not completed optional acceleration. | S016. [Justia Law](https://law.justia.com/cases/kansas/court-of-appeals/2021/122179.html) | **High.** |\n| **S_KS-P12-C023** | UCCC cure rights can prevent immediate acceleration for covered installment-payment default. | S005, §16a-5-111. ([Kansas Legislature](https://www.kslegislature.gov/b2025_26/laws/016a_000_0000_chapter/016a_005_0000_article/016a_005_0111_section/016a_005_0111_k/?utm_source=chatgpt.com)) | **High.** Coverage and prior cure history required. |\n| **S_KS-P12-C024** | Acceptance of late performance can waive acceleration rights, subject to fact-specific retraction. | S015. [Justia Law](https://law.justia.com/cases/kansas/supreme-court/2008/96697.html) | **High general contract principle.** |\n| **S_KS-P12-C025** | No universal Kansas deacceleration rule for ordinary unsecured debt was located. | S015–S016 bounded review | **Unresolved.** |\n| **S_KS-P12-C026** | Charge-off, assignment, and collection placement are not statutory revival events. | S001–S002 | **High bounded textual conclusion.** |\n| **S_KS-P12-C027** | Assignment does not itself create a new debtor promise or reset accrual. | S001–S002 | **High general conclusion;** novation/new agreement remains separate. |\n| **S_KS-P12-C028** | K.S.A. 60-520 recognizes payment, acknowledgment, and promise as distinct revival events. | S002, §60-520(a). ([Kansas Legislature](https://www.kslegislature.gov/b2025_26/laws/060_000_0000_chapter/060_005_0000_article/060_005_0020_section/060_005_0020_k/?utm_source=chatgpt.com)) | **High.** |\n| **S_KS-P12-C029** | A separate acknowledgment or promise must be written and signed; part payment need not be. | S002; S017–S019. [FindLaw](https://caselaw.findlaw.com/ks-supreme-court/1321419.html) | **High.** |\n| **S_KS-P12-C030** | Part payment can revive an already time-barred contractual claim. | S017. [FindLaw](https://caselaw.findlaw.com/ks-supreme-court/1321419.html) | **High controlling holding.** |\n| **S_KS-P12-C031** | A part payment can be expressly qualified and revive only the acknowledged portion. | S017. [FindLaw](https://caselaw.findlaw.com/ks-supreme-court/1321419.html) | **High; final Kansas Supreme Court holding.** |\n| **S_KS-P12-C032** | Payment must be attributable to the obligor or authorized actor and acknowledge the obligation in question. | S018. [Justia Law](https://law.justia.com/cases/kansas/supreme-court/1959/41-238-0.html) | **High.** |\n| **S_KS-P12-C033** | One joint debtor’s payment does not automatically revive against another. | S002 §60-520(b); S018–S020. ([Kansas Legislature](https://www.kslegislature.gov/b2025_26/laws/060_000_0000_chapter/060_005_0000_article/060_005_0020_section/060_005_0020_k/?utm_source=chatgpt.com)) | **High.** |\n| **S_KS-P12-C034** | Creditor’s unilateral credit or ledger notation does not alone establish debtor payment or acknowledgment. | S018. [Justia Law](https://law.justia.com/cases/kansas/supreme-court/1959/41-238-0.html) | **High.** |\n| **S_KS-P12-C035** | Electronic acknowledgment can satisfy writing/signature only if UETA agreement, intent, and attribution predicates are established. | S006. ([Kansas Legislature](https://www.kslegislature.gov/b2025_26/laws/016_000_0000_chapter/016_016_0000_article/016_016_0009_section/016_016_0009_k/?utm_source=chatgpt.com)) | **High conditional rule.** |\n| **S_KS-P12-C036** | Settlement negotiation does not automatically revive; actual payment or qualifying signed acknowledgment/promise is required. | S002; S017 | **High.** |\n| **S_KS-P12-C037** | Kansas generally treats limitation periods as procedural forum law. | S010; S022. [Justia Law+1](https://law.justia.com/cases/kansas/court-of-appeals/1997/75342.html) | **High.** |\n| **S_KS-P12-C038** | Generic foreign-law clause ordinarily does not import foreign limitations law. | S010. [Justia Law](https://law.justia.com/cases/kansas/court-of-appeals/1997/75342.html) | **High.** Express selection and UCCC constraints remain. |\n| **S_KS-P12-C039** | Covered Kansas UCCC transaction generally cannot validly select another state’s law, jurisdiction, or venue. | S005, §16a-1-201(7). ([Kansas Legislature](https://www.kslegislature.gov/b2025_26/laws/016a_000_0000_chapter/016a_001_0000_article/016a_001_0201_section/016a_001_0201_k/?utm_source=chatgpt.com)) | **High, subject to subsection (3).** |\n| **S_KS-P12-C040** | Foreign-accrued claim barred where it arose is generally barred in Kansas. | S002, §60-516. ([Kansas Legislature](https://www.kslegislature.gov/b2025_26/laws/060_000_0000_chapter/060_005_0000_article/060_005_0016_section/060_005_0016_k/?utm_source=chatgpt.com)) | **High.** |\n| **S_KS-P12-C041** | Kansas resident continuously holding the claim from accrual can invoke the borrowing-statute exception. | S002, §60-516. | **High.** |\n| **S_KS-P12-C042** | Place of accrual turns on where the claimant first had a right to sue, not merely the transaction’s origin. | S021. [Justia Law](https://law.justia.com/cases/kansas/supreme-court/1967/44-774-0.html) | **High case holding.** |\n| **S_KS-P12-C043** | Physical absence does not toll where whereabouts are known and service is available. | S002, §60-517. ([Kansas Legislature](https://www.kslegislature.gov/b2025_26/laws/060_000_0000_chapter/060_005_0000_article/060_005_0017_section/060_005_0017_k/?utm_source=chatgpt.com)) | **High.** |\n| **S_KS-P12-C044** | Legal disability can extend qualifying claims but carries a statutory eight-year outer limit. | S002, §60-515. ([Kansas Legislature](https://www.kslegislature.gov/b2025_26/laws/060_000_0000_chapter/060_005_0000_article/060_005_0015_section/060_005_0015_k/?utm_source=chatgpt.com)) | **High.** Usually protects the claimant under disability. |\n| **S_KS-P12-C045** | Timely action failing otherwise than on merits can potentially be refiled within six months. | S002, §60-518. ([Kansas Legislature](https://www.kslegislature.gov/b2025_26/laws/060_000_0000_chapter/060_005_0000_article/060_005_0018_section/060_005_0018_k/?utm_source=chatgpt.com)) | **High;** procedural predicates required. |\n| **S_KS-P12-C046** | Time during which commencement is stayed by injunction is excluded under §60-519. | S002, §60-519. ([Kansas Legislature](https://www.kslegislature.gov/b2025_26/laws/060_000_0000_chapter/060_005_0000_article/060_005_0019_section/060_005_0019_k/?utm_source=chatgpt.com)) | **High.** |\n| **S_KS-P12-C047** | Bankruptcy §108(c) supplies the later of nonbankruptcy deadline including suspension or 30 days after notice of stay termination. | S007. ([U.S. Code](https://uscode.house.gov/us/usc/119-118/t11/s108/?utm_source=chatgpt.com)) | **High federal text.** |\n| **S_KS-P12-C048** | Kansas has treated the automatic stay as an injunction for §60-519 in the context considered. | S023. [Justia Law](https://law.justia.com/cases/kansas/court-of-appeals/1998/77635.html) | **High case holding, context-limited.** |\n| **S_KS-P12-C049** | Filing relates back only if service/publication occurs within 90 days, subject to extension and cure provisions. | S003, §60-203. ([Kansas Legislature](https://www.kslegislature.gov/b2025_26/laws/060_000_0000_chapter/060_002_0000_article/060_002_0003_section/060_002_0003_k/?utm_source=chatgpt.com)) | **High.** |\n| **S_KS-P12-C050** | Actual knowledge does not necessarily substitute for valid timely service. | S024. [Justia Law](https://law.justia.com/cases/kansas/court-of-appeals/2009/98907.html) | **High.** |\n| **S_KS-P12-C051** | Event day is excluded; intermediate weekends count; terminal weekend/holiday extends. | S003, §60-206(a). ([Kansas Legislature](https://www.kslegislature.gov/b2025_26/laws/060_000_0000_chapter/060_002_0000_article/060_002_0006_section/060_002_0006_k/?utm_source=chatgpt.com)) | **High general computation rule.** |\n| **S_KS-P12-C052** | Limitations is an affirmative defense and can be waived. | S003, §60-208(c); S025. [Justia Law](https://law.justia.com/cases/kansas/court-of-appeals/1984/55-617-7.html) | **High.** |\n| **S_KS-P12-C053** | Expiration ordinarily bars the remedy rather than extinguishing the debt. | S026. [Justia Law+1](https://law.justia.com/cases/kansas/supreme-court/1956/40-202-0.html) | **High Kansas rule.** |\n| **S_KS-P12-C054** | Covered federal debt collector may not sue or threaten suit on time-barred debt. | S008, 12 C.F.R. §1006.26. ([eCFR](https://www.ecfr.gov/current/title-12/chapter-X/part-1006/subpart-B/section-1006.26?utm_source=chatgpt.com)) | **High.** |\n| **S_KS-P12-C055** | Regulation F does not prohibit every truthful nonthreatening request or acceptance of voluntary payment. | S008, official commentary. ([eCFR](https://www.ecfr.gov/current/title-12/chapter-X/part-1006/appendix-Supplement%20I%20to%20Part%201006?utm_source=chatgpt.com)) | **High conditional boundary.** |\n| **S_KS-P12-C056** | No general Kansas mandatory time-barred-debt disclosure was verified in this focused pass. | S001–S008 and bounded searches | **Bounded negative finding.** |\n| **S_KS-P12-C057** | Credit-reporting obsolescence does not determine suit limitation or debt extinguishment. | S001–S008 | **High legal-layer distinction.** |\n| **S_KS-P12-C058** | Assignment, collector status, and debt-buyer status do not select the governing period. | C002–C027 | **High synthesis.** Claim and instrument control. |\n| **S_KS-P12-C059** | No blanket equitable tolling doctrine for every ordinary Kansas debt claim was established. | S002–S003 bounded review | **Unresolved beyond specific statutes.** |\n| **S_KS-P12-C060** | Exact deadline cannot be determined without contract, payment, acceleration, assignment, service, and tolling facts. | Entire component | **High.** No individualized deadline supplied. |\n\n# J. Granular coverage and gap table\n\n| Assigned issue | Status | Claims | Exact missing evidence or next action |\n| --- | --- | --- | --- |\n| Five-year written-contract period | **Answered** | C002, C004–C006 | Actual complete writings |\n| Three-year unwritten-contract period | **Answered** | C003, C005 | Actual oral/implied terms |\n| Written-document sufficiency | **Answered at controlling-rule level** | C004–C006 | Account-specific documents |\n| Credit-card universal period | **Unresolved; no categorical published rule located** | C007–C008 | Complete contract and controlling published classification authority |\n| Credit-card three-year branch | **Supported conditionally** | C003, C007–C008 | Proof claim depends on unwritten/implied promise |\n| Credit-card five-year branch | **Supported conditionally** | C002, C004 | Complete material written promise |\n| Revolving-account accrual | **Partial** | C007, C016–C027 | Agreement, due dates, cure, acceleration, closure, payments |\n| Ordinary open account | **Partial** | C009 | Actual reciprocity and account structure |\n| Mutual open running account | **Answered doctrinally** | C009 | Consumer-credit application requires facts |\n| Account stated | **Answered doctrinally** | C010–C011 | Assent, objection, balance, and form |\n| Negotiable-instrument classification | **Answered** | C012–C015 | Actual note |\n| Definite-time note period | **Answered** | C012 | Due and acceleration dates |\n| Demand-note period | **Answered** | C013–C014 | Demand and last-payment facts |\n| General accrual standard | **Answered** | C016–C017 | Actual breach |\n| Installment-by-installment accrual | **Answered generally** | C018–C019 | Contract and sector rules |\n| Full-balance maturity | **Answered generally** | C019–C023 | Maturity, acceleration, cure |\n| Automatic acceleration | **Answered doctrinally** | C020 | Exact clause and default |\n| Optional acceleration | **Answered doctrinally** | C021–C022 | Notice, election, affirmative act |\n| UCCC cure effect | **Answered** | C023 | Coverage and prior cure history |\n| Waiver by late payments | **Answered generally** | C024 | Course of performance and notice |\n| Deacceleration | **Unresolved for ordinary unsecured debt** | C025 | Controlling case or contract-specific authority |\n| Charge-off as accrual | **Rejected as automatic event** | C026 | Contractual accrual still required |\n| Assignment/sale reset | **Rejected absent new agreement/revival** | C026–C027 | Novation or new promise if asserted |\n| Cancellation of charging privileges | **Partial** | C016–C027 | Contract’s maturity/default terms |\n| Last payment as accrual | **Not universal** | C016, C028–C034 | Whether payment revives |\n| Part-payment revival | **Answered** | C028–C034 | Authorization, intent, allocation, qualification |\n| Revival after original bar | **Answered** | C030–C031 | Valid qualifying event |\n| Qualified payment | **Answered through controlling case** | C031 | Actual accompanying statement |\n| Interest versus principal revival | **Answered conditionally** | C031 | Qualification evidence |\n| Written acknowledgment | **Answered** | C028–C029 | Signed writing and present liability |\n| Electronic acknowledgment | **Answered conditionally** | C035 | E-signature, attribution, e-transaction consent |\n| Joint-debtor payment | **Answered** | C033 | Authority, knowledge, consent, ratification |\n| Creditor ledger entry | **Answered—insufficient alone** | C034 | Proof of actual debtor-authorized payment |\n| Settlement negotiation | **Answered as nonautomatic revival** | C036 | Actual writing/payment language |\n| Current Article 3 revival interaction | **Partial/unresolved** | C012–C015, C028 | Controlling reconciliation of §§60-520 and 84-3-118 |\n| Kansas forum procedural rule | **Answered** | C037 | Claim-specific borrowing/contract exceptions |\n| Generic choice-of-law clause | **Answered** | C038 | Actual clause |\n| Express foreign-limitations clause | **Partial** | C038–C039 | UCCC coverage and public-policy enforceability |\n| UCCC foreign-law clause | **Answered** | C039 | Subsection (3) exception and transaction coverage |\n| Borrowing statute | **Answered** | C040–C042 | Place of accrual, foreign law, creditor residence |\n| Foreign-law tolling | **Not generally imported here** | C040–C042 | If needed, read foreign law and Kansas borrowing treatment |\n| Absence/concealment tolling | **Answered** | C043 | Whereabouts and service availability |\n| Legal disability | **Answered** | C044 | Claimant identity and disability dates |\n| Savings statute | **Answered at threshold** | C045 | First-case record and disposition |\n| Injunction tolling | **Answered** | C046 | Exact injunction dates and scope |\n| Bankruptcy extension | **Answered narrowly** | C047–C048 | Petition, stay, notice, discharge, state suspension |\n| General equitable tolling | **Not established** | C059 | Claim-specific equitable authority |\n| Filing before expiration | **Answered but insufficient alone** | C049–C050 | Service facts |\n| Ninety-day service relation | **Answered** | C049 | Filing and valid-service dates |\n| Thirty-day good-cause extension | **Answered as statutory possibility** | C049 | Actual court order and good cause |\n| Invalid-service cure | **Answered as statutory possibility** | C049 | Adjudication date and new service |\n| Weekend/holiday computation | **Answered generally** | C051 | Actual dates and legal holidays |\n| Limitations defense | **Answered as affirmative/waivable** | C052 | Pleadings and amendment history |\n| Court sua-sponte limitations | **Partial/context-dependent** | C052 | Procedural posture and governing special rules |\n| Debt extinguishment | **Answered—ordinary period bars remedy** | C053 | Discharge, settlement, forgiveness separately |\n| FDCPA suit/threat on time-barred debt | **Answered conditionally** | C054 | Actor and debt definitions, correct Kansas clock |\n| Voluntary request on time-barred debt | **Answered narrowly** | C055 | Actual communication and other laws |\n| Kansas time-barred disclosure | **Not verified** | C056 | Later enactments, sector and enforcement materials |\n| Credit-reporting clock | **Excluded; separate from suit period** | C057 | PASS-11 remains unreviewed |\n| Sale-of-goods claims | **Excluded** | — | K.S.A. 84-2-725 and transaction classification |\n| Mortgages and foreclosure | **Excluded except acceleration gateway** | — | Separate sector pass |\n| Secured vehicle/repo/deficiency | **Excluded** | — | Separate UCCC/UCC sector pass |\n| Medical-specific debt | **Excluded** | — | Separate medical billing/contract pass |\n| Utilities, rent, education, support, tax | **Excluded** | — | Sector-specific passes |\n| Probate claims | **Excluded** | — | Probate nonclaim statutes |\n| Bankruptcy procedure | **Excluded except §108(c) gateway** | C047–C048 | Separate bankruptcy pass |\n| Judgments, liens, renewal, garnishment | **Excluded** | — | Separate post-judgment pass |\n| Fraud and tort remedies | **Excluded** | — | Separate claim-specific limitations |\n| Local and tribal law | **Excluded** | — | Separate jurisdictional review |\n| Full litigation procedure | **Excluded beyond commencement** | C049–C052 | Service, venue, answer, default, evidence |\n| Actual provider/account deadline | **Not evaluated** | C060 | Complete account and court record required |\n| Component/state/parent/A066 acceptance | **Not evaluated** | — | No acceptance follows from PASS-12 |\n\n# K. Researcher self-check\n\n## Actually read or inspected in PASS-12\n\n- Current K.S.A. 60-510, 60-511, and 60-512.\n- Current K.S.A. 60-515 through 60-520.\n- Current K.S.A. 60-203, 60-206, and 60-208(c).\n- Current K.S.A. 84-3-104, 84-3-108, and 84-3-118.\n- Current K.S.A. 16a-1-201, 16a-5-109, and 16a-5-111.\n- Current Kansas UETA electronic-assent, signature, and attribution provisions.\n- Current 11 U.S.C. §108(c).\n- Current 15 U.S.C. §1692a and 12 C.F.R. §1006.26 with relevant commentary.\n- The complete materially relevant passages from:*Miller v. William A. Smith Constructing Co.**Western Video Collectors v. Mercantile Bank**Wortman v. Sun Oil**Bonicamp v. McNeely**Cornett v. Roth**Foundation Property Investments v. CTP**Wilmington Savings v. Holverson*Final Kansas Supreme Court decision in *O’Malley v. Frazier**Fisher v. Pendleton**Hustead v. Bendix**Daniels Trucking v. Rogers**Green v. Kensinger**St. Joseph Development v. Sequenzia**Le v. Joslin**O’Donnell v. Fletcher**Bomud Co. v. Yockey Oil**In re Estate of Wernet*Unpublished *CoreFirst v. Tuckness*Unpublished *First National Bank of Omaha v. Lucas*\n- The official U.S. Reports PDF for *Sun Oil Co. v. Wortman*, including visual inspection of printed pages 717 and 722.\n\n## Material correction identified during this pass\n\nThe final Kansas Supreme Court decision in *O’Malley v. Frazier* reversed the Court of Appeals’ broader revival result. It held that the particular part payment revived principal but not disavowed interest. Any research relying only on the 2001 Court of Appeals decision would overstate the effect of partial payment. [FindLaw](https://caselaw.findlaw.com/ks-supreme-court/1321419.html)\n\n## Access failures and source limitations\n\n- Official Kansas Courts pages for *O’Malley*, *CoreFirst*, and *Portfolio Recovery Associates v. Kimrey* returned HTTP 403 when directly opened.\n- The final *O’Malley* opinion was fully read through a public opinion reproduction.\n- *CoreFirst* was fully read through a public opinion reproduction and treated as unpublished.\n- *Kimrey* was located through the official search result, but the full opinion was not accessible and was not used for substantive findings.\n- Most older Kansas cases were read through public reproductions rather than official court PDFs.\n- No subscription citator, unpublished trial-court database, private docket, or records request was used.\n- No complete subsequent-history audit was performed for every older case.\n\n## Not read, obtained, or established\n\n- Any actual cardholder agreement, note, installment contract, account statement, cure notice, acceleration notice, assignment, settlement, payment authorization, service return, bankruptcy docket, or foreign-state statute.\n- A complete Kansas trial-court or unpublished appellate survey.\n- A published Kansas appellate decision categorically classifying every credit-card debt.\n- A comprehensive Kansas decision reconciling K.S.A. 60-520 with every category in K.S.A. 84-3-118.\n- A universal Kansas deacceleration rule for unsecured debt.\n- Every equitable-tolling doctrine or claim-specific estoppel theory.\n- Sale-of-goods, medical, rent, utility, education, government, tax, probate, secured-debt, judgment, or garnishment limitations.\n- Any filing, contact, account action, provider lookup, court submission, records request, purchase, private data, website change, publication, Chrome control, other Chat, or security workaround.\n\n## Numeric self-check\n\nThe dated examples were independently checked for day-of-week and arithmetic consistency:\n\n- January 3, 2027 is Sunday; extension to Monday, January 4, 2027.\n- Ninety days after January 4, 2027, excluding the filing day, is Sunday, April 4, 2027; extension to Monday, April 5, 2027.\n- May 10, 2029 is Thursday.\n- June 15, 2028 is Thursday.\n- June 30, 2026 is Tuesday.\n\nThe examples assume no conflicting court closure, special computation rule, tolling, revival, or service defect.\n\n## Method limits\n\n- Debt labels did not select the period.\n- Credit-card statements were not treated as a complete written contract without examining material terms.\n- “Open account” was not converted into a universal three-year rule.\n- A note label was not treated as proof of negotiability.\n- Charge-off, sale, and collection placement were not treated as new accrual dates.\n- Last payment was not treated as automatic accrual or automatic revival.\n- Partial payment was not treated as necessarily reviving the entire balance.\n- A typed email was not treated as a signed acknowledgment without UETA predicates.\n- A generic choice-of-law clause was not treated as importing foreign limitations.\n- Filing was not treated as sufficient without the K.S.A. 60-203 service analysis.\n- Reporting eligibility was not treated as suit eligibility.\n- Expiration was not treated as debt discharge.\n- No individualized terminal date, permission to sue, obligation to pay, debt validity, ownership, recovery, operational clearance, component acceptance, Kansas acceptance, parent-dossier acceptance, A066 acceptance, or publication readiness is supplied.\n\n## PASS-12 conclusion\n\nKansas ordinary unsecured consumer-debt limitations are claim-specific. Five years applies only when the claimant can establish the material promise through adequate writings; three years applies to contractual obligations not in writing; and negotiable instruments have their own more specific periods. Credit cards, revolving accounts, “open accounts,” and account-stated claims require actual classification rather than a debt-type chart.\n\nAccrual normally follows the legally enforceable breach, installment due date, maturity, demand, or valid acceleration—not charge-off, debt sale, or collector placement. Revival can occur through a qualifying payment or signed acknowledgment, even after expiration, but Kansas’s controlling *O’Malley* decision permits a payment to be expressly limited to only part of the debt. Cross-border claims require both Kansas’s forum rules and its borrowing statute; covered Kansas UCCC contracts generally cannot select foreign law or venue. A timely petition still requires timely valid service, and limitations ordinarily remains an affirmative, waivable defense that bars the remedy without extinguishing the obligation.\n\nEND S_KS PASS-12. \n\n","tables":[{"headers":["Claim or instrument asserted","Kansas limitation framework","What must be established","Principal unresolved or alternative branch"],"index":0,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Claim or instrument asserted","Kansas limitation framework","What must be established","Principal unresolved or alternative branch"],["Complete written contract or promise","5 years under K.S.A. 60-511(1)","The writings contain the material contractual terms necessary to establish the claim without using oral evidence to supply an essential promise","A document set that omits payment terms, promise, parties, or other essential terms may fall into the three-year branch"],["Partly written, partly oral contract","Generally 3 years under K.S.A. 60-512(1)","An essential contractual term must be proved by oral or extrinsic evidence","Incidental explanatory evidence does not necessarily defeat written status; the issue is whether extrinsic proof supplies a material term"],["Oral or implied contract","3 years","Existence, breach, and amount of an express oral or implied obligation","Another independent written promise or later account stated may create a different claim"],["Credit-card or revolving account","Not categorical; potentially 5 or 3 years","Actual card agreement, amendments, applicable terms, promise to repay, acceptance/use, statements, and theory pleaded","Kansas has no located published appellate rule assigning all credit-card claims one universal period"],["Ordinary one-sided “open account”","Usually classified under written or unwritten contract rules","Nature of the underlying promise and writings","Merely calling an account “open” does not establish a mutual open running account or select three years"],["Mutual open running account","Balance may accrue at settlement or the last pertinent entry under the specialized doctrine","Reciprocal and connected debits and credits, shifting balance, common intent that items form one continuing account","Ordinary consumer payments against one-way advances do not automatically satisfy the reciprocity requirement"],["Account stated","Period depends on the new stated-account agreement","Prior transactions, agreed balance, and express or implied assent to correctness and payment","Account stated need not be written or signed; an implied account stated therefore does not automatically receive five years"],["Installment contract without acceleration","Each installment generally has its own period","Amount and due date of each installment, nonpayment, and applicable written/unwritten classification","Unmatured installments ordinarily are not yet actionable"],["Contract with automatic acceleration","Entire balance can accrue automatically on the contractually defined default","Clause must be absolute rather than optional; default must actually satisfy its terms","UCCC cure rights can prevent immediate enforceability in a covered consumer installment transaction"],["Contract with optional acceleration","Entire balance accrues only after valid exercise","Clear and unequivocal election plus an affirmative enforcement act; any required notice or cure conditions","Conditional notice of future acceleration is ordinarily insufficient"],["Negotiable note payable at a definite time","6 years from stated due date or valid accelerated due date under K.S.A. 84-3-118(a)","Instrument satisfies K.S.A. 84-3-104 and 84-3-108","A document called a “note” may be nonnegotiable and instead fall under K.S.A. 60-511 or 60-512"],["Negotiable demand note","Generally 6 years after demand; if no demand, barred after 10 continuous years without principal or interest payment","Note is payable on demand; actual demand and payment history","Exact beginning of the no-demand ten-year period requires the instrument and payment history"],["Sale-of-goods contract","Excluded from this pass","Article 2 can supply a different limitations rule","Requires separate sale-of-goods analysis"],["Judgment","Excluded from this pass","Judgment dormancy, revival, and lien rules are distinct","Not controlled by ordinary contract periods"]]},{"headers":["Form of account-stated agreement","Potential classification"],"index":1,"links":[],"row_links":[[],[],[],[],[]],"rows":[["Form of account-stated agreement","Potential classification"],["Complete signed writing containing agreed balance and promise","Potential five-year written-contract branch"],["Oral agreement on balance","Three-year unwritten-contract branch"],["Assent implied from conduct or silence","Generally three-year implied-contract branch"],["No meeting of minds, timely objection, or materially disputed balance","Account-stated claim may fail altogether"]]},{"headers":["Payment circumstances","Potential effect"],"index":2,"links":[],"row_links":[[],[],[],[],[],[],[]],"rows":[["Payment circumstances","Potential effect"],["Unqualified payment acknowledging entire debt","Can begin a new period for the acknowledged debt"],["Payment expressly limited to principal","May revive principal without barred interest"],["Payment expressly limited to a specified portion or claim","Effect can be limited to that portion"],["Payment paired with denial of any remaining liability","Revival may fail or be limited"],["Creditor’s unilateral ledger credit","Does not establish debtor acknowledgment"],["Payment by one joint debtor","Does not automatically revive against another"]]},{"headers":["Clause","Likely Kansas result"],"index":3,"links":[],"row_links":[[],[],[],[]],"rows":[["Clause","Likely Kansas result"],["“This agreement is governed by State X law”","Kansas limitation generally remains procedural/forum law"],["“State X’s statute of limitations governs all claims”","Potentially effective, but enforceability and public-policy issues remain claim-specific"],["No clause","Kansas forum limitation plus borrowing statute analysis"]]},{"headers":["Event","Potential legal effect","Conditions","What it does not establish automatically"],"index":4,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Event","Potential legal effect","Conditions","What it does not establish automatically"],["Payment due and unpaid","Accrual for that installment or matured obligation","Present right to sue; any cure conditions satisfied","Accrual of every future installment"],["Contract maturity","Accrual of remaining matured balance","Obligation actually reaches stated maturity","Prior acceleration"],["Automatic-acceleration default","Full balance can accrue","Absolute clause and qualifying default","Validity if UCCC cure rights remain"],["Optional-acceleration notice","No full accrual unless validly exercised","Clear election plus affirmative act","A conditional future warning is insufficient"],["Charge-off","Accounting/regulatory event","—","Breach, acceleration, or new accrual"],["Debt sale or assignment","Ownership/servicing transfer","Valid transfer","New limitations period"],["Cancellation of credit privileges","Stops future use","Contract terms","Acceleration of existing balance"],["Last charge","Account activity","Relevant only if contract or account doctrine makes it so","Universal accrual date"],["Last payment","Payment history; possible revival event","Must satisfy K.S.A. 60-520 predicates","Automatic accrual or automatic revival"],["Written acknowledgment","Can begin a new period","Signed, attributable, present liability identified","Revival through vague dispute or inquiry"],["Part payment","Can revive acknowledged obligation","Authorized and attributable; circumstances acknowledge liability","Revival of unacknowledged joint debtor or expressly disavowed portion"],["Account statement retained","Can support account-stated theory","Assent and meeting of minds","Automatic agreement from silence in every case"],["Filing petition","Begins action conditionally","Timely service/publication required for filing-date relation","Final commencement by itself"],["Service within 90 days","Relates commencement to filing","Valid service","Claim merits"],["Bankruptcy filing","Can suspend or extend deadline","Claim alive; stay applies; §108(c) and Kansas tolling facts","Automatic discharge or permanent bar"],["Reporting expiration","Credit-reporting consequence","FCRA/Kansas reporting rules","Suit limitation or debt extinction"]]},{"headers":["Legal theory","Possible period","Missing evidence"],"index":5,"links":[],"row_links":[[],[],[],[],[]],"rows":[["Legal theory","Possible period","Missing evidence"],["Complete written card agreement","5 years","Complete operative agreement, amendments, promise, due-date and default terms"],["Implied agreement through use and payment","3 years","Evidence of terms actually accepted"],["Account stated","3 or 5 depending form","Assent to final balance and form of the new promise"],["Negotiable instrument","Usually inapplicable to an ordinary card account","Instrument meeting Article 3 elements"]]},{"headers":["Source ID","Title, issuer, and full literal URL","Exact text or passage read","Version, status, access, and limits"],"index":6,"links":[{"href":"https://www.kslegislature.gov/b2025_26/laws/060_000_0000_chapter/060_005_0000_article/060_005_0011_section/060_005_0011_k/?utm_source=chatgpt.com","text":"Kansas Legislature"},{"href":"https://www.kslegislature.gov/b2025_26/laws/060_000_0000_chapter/060_005_0000_article/060_005_0020_section/060_005_0020_k/?utm_source=chatgpt.com","text":"Kansas Legislature"},{"href":"https://www.kslegislature.gov/b2025_26/laws/060_000_0000_chapter/060_002_0000_article/060_002_0003_section/060_002_0003_k/?utm_source=chatgpt.com","text":"Kansas Legislature"},{"href":"https://www.kslegislature.gov/b2025_26/laws/084_000_0000_chapter/084_003_0000_article/084_003_0118_section/084_003_0118_k/?utm_source=chatgpt.com","text":"Kansas Legislature"},{"href":"https://www.kslegislature.gov/b2025_26/laws/016a_000_0000_chapter/016a_001_0000_article/016a_001_0201_section/016a_001_0201_k/?utm_source=chatgpt.com","text":"Kansas Legislature"},{"href":"https://www.kslegislature.gov/b2025_26/laws/016_000_0000_chapter/016_016_0000_article/016_016_0007_section/016_016_0007_k/?utm_source=chatgpt.com","text":"Kansas Legislature"},{"href":"https://uscode.house.gov/us/usc/119-118/t11/s108/?utm_source=chatgpt.com","text":"U.S. Code"},{"href":"https://www.ecfr.gov/current/title-12/chapter-X/part-1006/subpart-B/section-1006.26?utm_source=chatgpt.com","text":"eCFR"},{"href":"https://law.justia.com/cases/kansas/supreme-court/1979/49-588-1.html","text":"Justia Law"},{"href":"https://law.justia.com/cases/kansas/court-of-appeals/1997/75342.html","text":"Justia Law"},{"href":"https://law.justia.com/cases/kansas/supreme-court/1984/56-494-1.html","text":"Justia Law"},{"href":"https://law.justia.com/cases/kansas/supreme-court/1963/43-127-0.html","text":"Justia Law"},{"href":"https://law.justia.com/cases/kansas/supreme-court/1983/55-137-1.html","text":"Justia Law"},{"href":"https://law.justia.com/cases/kansas/supreme-court/2008/96697.html","text":"Justia Law"},{"href":"https://law.justia.com/cases/kansas/court-of-appeals/2021/122179.html","text":"Justia Law"},{"href":"https://caselaw.findlaw.com/ks-supreme-court/1321419.html","text":"FindLaw"},{"href":"https://law.justia.com/cases/kansas/supreme-court/1959/41-238-0.html","text":"Justia Law"},{"href":"https://caselaw.findlaw.com/ks-supreme-court/1321419.html","text":"FindLaw"},{"href":"https://law.justia.com/cases/kansas/supreme-court/1967/44-774-0.html","text":"Justia Law"},{"href":"https://www.govinfo.gov/content/pkg/USREPORTS-486/pdf/USREPORTS-486-717.pdf","text":"GovInfo\n+1"},{"href":"https://law.justia.com/cases/kansas/court-of-appeals/1998/77635.html","text":"Justia Law"},{"href":"https://law.justia.com/cases/kansas/court-of-appeals/2009/98907.html","text":"Justia Law"},{"href":"https://law.justia.com/cases/kansas/court-of-appeals/1984/55-617-7.html","text":"Justia Law"},{"href":"https://law.justia.com/cases/kansas/supreme-court/1956/40-202-0.html","text":"Justia Law\n+1"},{"href":"https://caselaw.findlaw.com/court/ks-court-of-appeals/1888122.html","text":"FindLaw"},{"href":"https://law.justia.com/cases/kansas/court-of-appeals/2024/127685.html","text":"Justia Law"},{"href":"https://kscourts.gov/Cases-Decisions/Decisions/Unpublished/Portfolio-Recovery-Associates-v-Kimrey","text":"Kansas Courts"}],"row_links":[[],[{"href":"https://www.kslegislature.gov/b2025_26/laws/060_000_0000_chapter/060_005_0000_article/060_005_0011_section/060_005_0011_k/?utm_source=chatgpt.com","text":"Kansas Legislature"}],[{"href":"https://www.kslegislature.gov/b2025_26/laws/060_000_0000_chapter/060_005_0000_article/060_005_0020_section/060_005_0020_k/?utm_source=chatgpt.com","text":"Kansas Legislature"}],[{"href":"https://www.kslegislature.gov/b2025_26/laws/060_000_0000_chapter/060_002_0000_article/060_002_0003_section/060_002_0003_k/?utm_source=chatgpt.com","text":"Kansas Legislature"}],[{"href":"https://www.kslegislature.gov/b2025_26/laws/084_000_0000_chapter/084_003_0000_article/084_003_0118_section/084_003_0118_k/?utm_source=chatgpt.com","text":"Kansas Legislature"}],[{"href":"https://www.kslegislature.gov/b2025_26/laws/016a_000_0000_chapter/016a_001_0000_article/016a_001_0201_section/016a_001_0201_k/?utm_source=chatgpt.com","text":"Kansas Legislature"}],[{"href":"https://www.kslegislature.gov/b2025_26/laws/016_000_0000_chapter/016_016_0000_article/016_016_0007_section/016_016_0007_k/?utm_source=chatgpt.com","text":"Kansas Legislature"}],[{"href":"https://uscode.house.gov/us/usc/119-118/t11/s108/?utm_source=chatgpt.com","text":"U.S. Code"}],[{"href":"https://www.ecfr.gov/current/title-12/chapter-X/part-1006/subpart-B/section-1006.26?utm_source=chatgpt.com","text":"eCFR"}],[{"href":"https://law.justia.com/cases/kansas/supreme-court/1979/49-588-1.html","text":"Justia Law"}],[{"href":"https://law.justia.com/cases/kansas/court-of-appeals/1997/75342.html","text":"Justia Law"}],[{"href":"https://law.justia.com/cases/kansas/supreme-court/1984/56-494-1.html","text":"Justia Law"}],[{"href":"https://law.justia.com/cases/kansas/supreme-court/1963/43-127-0.html","text":"Justia Law"}],[],[{"href":"https://law.justia.com/cases/kansas/supreme-court/1983/55-137-1.html","text":"Justia Law"}],[{"href":"https://law.justia.com/cases/kansas/supreme-court/2008/96697.html","text":"Justia Law"}],[{"href":"https://law.justia.com/cases/kansas/court-of-appeals/2021/122179.html","text":"Justia Law"}],[{"href":"https://caselaw.findlaw.com/ks-supreme-court/1321419.html","text":"FindLaw"}],[{"href":"https://law.justia.com/cases/kansas/supreme-court/1959/41-238-0.html","text":"Justia Law"}],[{"href":"https://caselaw.findlaw.com/ks-supreme-court/1321419.html","text":"FindLaw"}],[],[{"href":"https://law.justia.com/cases/kansas/supreme-court/1967/44-774-0.html","text":"Justia Law"}],[{"href":"https://www.govinfo.gov/content/pkg/USREPORTS-486/pdf/USREPORTS-486-717.pdf","text":"GovInfo\n+1"}],[{"href":"https://law.justia.com/cases/kansas/court-of-appeals/1998/77635.html","text":"Justia Law"}],[{"href":"https://law.justia.com/cases/kansas/court-of-appeals/2009/98907.html","text":"Justia Law"}],[{"href":"https://law.justia.com/cases/kansas/court-of-appeals/1984/55-617-7.html","text":"Justia Law"}],[{"href":"https://law.justia.com/cases/kansas/supreme-court/1956/40-202-0.html","text":"Justia Law\n+1"}],[{"href":"https://caselaw.findlaw.com/court/ks-court-of-appeals/1888122.html","text":"FindLaw"}],[{"href":"https://law.justia.com/cases/kansas/court-of-appeals/2024/127685.html","text":"Justia Law"}],[{"href":"https://kscourts.gov/Cases-Decisions/Decisions/Unpublished/Portfolio-Recovery-Associates-v-Kimrey","text":"Kansas Courts"}]],"rows":[["Source ID","Title, issuer, and full literal URL","Exact text or passage read","Version, status, access, and limits"],["S_KS-P12-S001","Kansas Revisor, general contract limitation statutes:\nhttps://www.kslegislature.gov/b2025_26/laws/060_000_0000_chapter/060_005_0000_article/060_005_0010_section/060_005_0010_k/\nhttps://www.kslegislature.gov/b2025_26/laws/060_000_0000_chapter/060_005_0000_article/060_005_0011_section/060_005_0011_k/\nhttps://www.kslegislature.gov/b2025_26/laws/060_000_0000_chapter/060_005_0000_article/060_005_0012_section/060_005_0012_k/","Complete K.S.A. 60-510; §60-511(1); §60-512(1)","Fresh Oct. 26, 2026 Pacific/UTC. Official current 2026 HTML; no printed page or PDF index. Website update timestamp is not enactment date. No complete amendment-history audit. (Kansas Legislature)"],["S_KS-P12-S002","Kansas Revisor, disability, borrowing, absence, savings, injunction, and revival:\nhttps://www.kslegislature.gov/b2025_26/laws/060_000_0000_chapter/060_005_0000_article/060_005_0015_section/060_005_0015_k/\nhttps://www.kslegislature.gov/b2025_26/laws/060_000_0000_chapter/060_005_0000_article/060_005_0016_section/060_005_0016_k/\nhttps://www.kslegislature.gov/b2025_26/laws/060_000_0000_chapter/060_005_0000_article/060_005_0017_section/060_005_0017_k/\nhttps://www.kslegislature.gov/b2025_26/laws/060_000_0000_chapter/060_005_0000_article/060_005_0018_section/060_005_0018_k/\nhttps://www.kslegislature.gov/b2025_26/laws/060_000_0000_chapter/060_005_0000_article/060_005_0019_section/060_005_0019_k/\nhttps://www.kslegislature.gov/b2025_26/laws/060_000_0000_chapter/060_005_0000_article/060_005_0020_section/060_005_0020_k/","Complete materially relevant §§60-515 through 60-520","Fresh. Current 2026 HTML. Current §60-520(b) displays “satisfied*”; controlling cases use authorization, knowledge/consent, and ratification concepts. No historical codification correction was inferred. (Kansas Legislature)"],["S_KS-P12-S003","Kansas Revisor, commencement, time computation, and affirmative defenses:\nhttps://www.kslegislature.gov/b2025_26/laws/060_000_0000_chapter/060_002_0000_article/060_002_0003_section/060_002_0003_k/\nhttps://www.kslegislature.gov/b2025_26/laws/060_000_0000_chapter/060_002_0000_article/060_002_0006_section/060_002_0006_k/\nhttps://www.kslegislature.gov/b2025_26/laws/060_000_0000_chapter/060_002_0000_article/060_002_0008_section/060_002_0008_k/","Complete materially relevant §§60-203, 60-206(a), and 60-208(c)","Fresh. Current text. Full service-method, venue, appearance, default, and procedural-rule analysis excluded. (Kansas Legislature)"],["S_KS-P12-S004","Kansas Revisor, negotiable-instrument provisions:\nhttps://www.kslegislature.gov/b2025_26/laws/084_000_0000_chapter/084_003_0000_article/084_003_0104_section/084_003_0104_k/\nhttps://www.kslegislature.gov/b2025_26/laws/084_000_0000_chapter/084_003_0000_article/084_003_0108_section/084_003_0108_k/\nhttps://www.kslegislature.gov/b2025_26/laws/084_000_0000_chapter/084_003_0000_article/084_003_0118_section/084_003_0118_k/","Complete materially relevant §§84-3-104, 84-3-108, and 84-3-118","Fresh. Current 2026 statute text. No instrument-specific contract was reviewed. Article 2 sale-of-goods limitations excluded. (Kansas Legislature)"],["S_KS-P12-S005","Kansas Revisor, UCCC territorial application, default, and cure:\nhttps://www.kslegislature.gov/b2025_26/laws/016a_000_0000_chapter/016a_001_0000_article/016a_001_0201_section/016a_001_0201_k/\nhttps://www.kslegislature.gov/b2025_26/laws/016a_000_0000_chapter/016a_005_0000_article/016a_005_0109_section/016a_005_0109_k/\nhttps://www.kslegislature.gov/b2025_26/laws/016a_000_0000_chapter/016a_005_0000_article/016a_005_0111_section/016a_005_0111_k/","Complete material §§16a-1-201, 16a-5-109, and 16a-5-111","Fresh. Choice-of-law subsection and amended cure section effective Jan. 1, 2025. No full UCCC coverage or remedy audit. (Kansas Legislature)"],["S_KS-P12-S006","Kansas UETA, Kansas Revisor:\nhttps://www.kslegislature.gov/b2025_26/laws/016_000_0000_chapter/016_016_0000_article/016_016_0005_section/016_016_0005_k/\nhttps://www.kslegislature.gov/b2025_26/laws/016_000_0000_chapter/016_016_0000_article/016_016_0007_section/016_016_0007_k/\nhttps://www.kslegislature.gov/b2025_26/laws/016_000_0000_chapter/016_016_0000_article/016_016_0009_section/016_016_0009_k/","Agreement to electronic transactions, legal recognition, and attribution","Fresh. Current HTML. Used only for electronic acknowledgment/signature gateway. No provider platform or audit log reviewed. (Kansas Legislature)"],["S_KS-P12-S007","11 U.S.C. §108, Office of Law Revision Counsel:\nhttps://uscode.house.gov/us/usc/119-118/t11/s108/","§108(c)","Fresh. OLRC stated law in effect through Public Law 119-120, Oct. 7, 2026. Full bankruptcy procedure excluded. (U.S. Code)"],["S_KS-P12-S008","Federal debt-collector definition and time-barred-suit rule:\nhttps://uscode.house.gov/us/usc/119-118/t15/s1692a/\nhttps://www.ecfr.gov/current/title-12/chapter-X/part-1006/subpart-B/section-1006.26\nhttps://www.ecfr.gov/current/title-12/chapter-X/part-1006/appendix-Supplement%20I%20to%20Part%201006","15 U.S.C. §1692a; 12 C.F.R. §1006.26; official comments 26(b)-1 through 26(b)-3","Fresh targeted read. eCFR displayed current through Oct. 22, 2026. Used only for time-barred suit/threat boundary; no full FDCPA conduct or remedy rerun. (eCFR)"],["S_KS-P12-S009","Miller v. William A. Smith Constructing Co., Kansas Supreme Court:\nhttps://law.justia.com/cases/kansas/supreme-court/1979/49-588-1.html","226 Kan. 172, 174–75; HTML lines 68–101","Fresh full relevant opinion read. Published controlling opinion, July 14, 1979. Public reproduction; official court PDF not located. No subsequent negative treatment found in bounded search. \nJustia Law"],["S_KS-P12-S010","Western Video Collectors, L.P. v. Mercantile Bank, Kansas Court of Appeals:\nhttps://law.justia.com/cases/kansas/court-of-appeals/1997/75342.html","23 Kan. App. 2d 703; syllabus and reported pp. 706–09; HTML lines 52–82 and later accrual discussion","Fresh relevant opinion read. Published, March 28, 1997. Generic choice clause, accrual, written/implied contract distinctions. \nJustia Law"],["S_KS-P12-S011","Wortman v. Sun Oil Co., Kansas Supreme Court:\nhttps://law.justia.com/cases/kansas/supreme-court/1984/56-494-1.html","241 Kan. 226, 271–72; mutual-open-account definition at HTML lines 104–109","Fresh selected read. Published 1984 Kansas Supreme Court opinion. Oil-royalty facts; used only for open-account definition. \nJustia Law"],["S_KS-P12-S012","Bonicamp v. McNeely, Kansas Supreme Court:\nhttps://law.justia.com/cases/kansas/supreme-court/1963/43-127-0.html","191 Kan. 225, 228–29; account-stated discussion at HTML lines 88–96","Fresh selected read. Published 1963 opinion. No modern credit-card fact pattern. \nJustia Law"],["S_KS-P12-S013","Goff v. Aetna Life & Casualty Co., Kansas Court of Appeals:\nhttps://law.justia.com/cases/kansas/court-of-appeals/1977/48-218-6.html","Installment-accrual discussion","Fresh selected read. Published 1977 opinion involving periodic insurance benefits; used only as a general installment-accrual gateway, not sector disposition."],["S_KS-P12-S014","Cornett v. Roth, Kansas Supreme Court:\nhttps://law.justia.com/cases/kansas/supreme-court/1983/55-137-1.html","233 Kan. 936; no-acceleration holding at HTML lines 136–137","Fresh selected read. Published 1983 opinion. Used for premature full-balance action without acceleration clause. \nJustia Law"],["S_KS-P12-S015","Foundation Property Investments, LLC v. CTP, LLC, Kansas Supreme Court:\nhttps://law.justia.com/cases/kansas/supreme-court/2008/96697.html","286 Kan. 597; automatic/optional acceleration at HTML lines 137–158; waiver discussion elsewhere in opinion","Fresh selected read. Published 2008 opinion involving commercial note/lease. Used for Kansas acceleration and waiver principles, not consumer-specific conclusion. \nJustia Law"],["S_KS-P12-S016","Wilmington Savings Fund Society v. Holverson, Kansas Court of Appeals:\nhttps://law.justia.com/cases/kansas/court-of-appeals/2021/122179.html","Syllabus and acceleration analysis at HTML lines 48–52, 79–87, 109–141","Fresh selected read. Published May 14, 2021. Mortgage facts; used narrowly for optional-acceleration steps. \nJustia Law"],["S_KS-P12-S017","O’Malley v. Frazier, Kansas Supreme Court:\nOfficial landing: https://kscourts.gov/Cases-Decisions/Decisions/Published/O-Malley-v-Frazier-Supreme-Court\nReadable opinion: https://caselaw.findlaw.com/court/ks-supreme-court/1321419.html","273 Kan. 859; opinion lines 61–126, particularly 70–79, 83–117, and disposition at 125–126","Fresh full relevant read. Final Kansas Supreme Court decision, July 12, 2002; reversed Court of Appeals and affirmed district court’s limited revival. Official landing returned HTTP 403; readable public reproduction used. \nFindLaw"],["S_KS-P12-S018","Fisher v. Pendleton, Kansas Supreme Court:\nhttps://law.justia.com/cases/kansas/supreme-court/1959/41-238-0.html","184 Kan. 322; payment, acknowledgment, joint debtor, ratification at HTML lines 97–118","Fresh selected read. Published 1959 opinion under predecessor statute identical in material wording. \nJustia Law"],["S_KS-P12-S019","Hustead v. Bendix Corp., Kansas Supreme Court:\nhttps://law.justia.com/cases/kansas/supreme-court/1983/54-681-1.html","Part-payment discussion and remand limitation","Fresh selected read. Published 1983 opinion. O’Malley later limited reliance on its payment language because the issue was not finally decided there. \nFindLaw"],["S_KS-P12-S020","Daniels Trucking, Inc. v. Rogers, Kansas Court of Appeals:\nhttps://law.justia.com/cases/kansas/court-of-appeals/1982/53-541-6.html","Joint-obligor payment, authority, consent, and ratification","Fresh selected read. Published 1982 opinion."],["S_KS-P12-S021","Green v. Kensinger, Kansas Supreme Court:\nhttps://law.justia.com/cases/kansas/supreme-court/1967/44-774-0.html","Foreign accrual and K.S.A. 60-516 analysis","Fresh selected read. Published 1967 opinion. Used only for place-of-accrual and borrowing rule. \nJustia Law"],["S_KS-P12-S022","Sun Oil Co. v. Wortman, U.S. Supreme Court, official U.S. Reports PDF:\nhttps://www.govinfo.gov/content/pkg/USREPORTS-486/pdf/USREPORTS-486-717.pdf","Syllabus printed page 717/PDF index 0; opinion printed page 722/PDF index 5","Fresh official PDF read and screenshot inspection. 486 U.S. 717, decided June 15, 1988. Constitutional forum-limitations holding only. \nGovInfo\n+1"],["S_KS-P12-S023","St. Joseph Development Corp. v. Sequenzia, Kansas Court of Appeals:\nhttps://law.justia.com/cases/kansas/court-of-appeals/1998/77635.html","Bankruptcy-stay tolling discussion","Fresh selected read. Published 1998 opinion involving judgment dormancy; used narrowly for §60-519/§108(c) interaction. \nJustia Law"],["S_KS-P12-S024","Le v. Joslin, Kansas Court of Appeals:\nhttps://law.justia.com/cases/kansas/court-of-appeals/2009/98907.html","K.S.A. 60-203 filing, service, and actual-knowledge discussion","Fresh selected read. Published 2009 opinion. Full service-method analysis excluded. \nJustia Law"],["S_KS-P12-S025","O’Donnell v. Fletcher, Kansas Court of Appeals:\nhttps://law.justia.com/cases/kansas/court-of-appeals/1984/55-617-7.html","Affirmative defense, waiver, and sua-sponte issue","Fresh selected read. Published 1984 opinion. Procedural context limits universalization. \nJustia Law"],["S_KS-P12-S026","Kansas limitations-effect cases:\nBomud Co. v. Yockey Oil Co.: https://law.justia.com/cases/kansas/supreme-court/1956/40-202-0.html\nIn re Estate of Wernet: https://law.justia.com/cases/kansas/supreme-court/1979/50-267-1.html","Remedy-bar versus debt-extinguishment discussions","Fresh selected read. Published Kansas Supreme Court opinions. “Repose” wording is not treated as a modern substantive statute-of-repose holding. \nJustia Law\n+1"],["S_KS-P12-S027","CoreFirst Bank & Trust v. Tuckness, Kansas Court of Appeals:\nOfficial landing: https://kscourts.gov/Cases-Decisions/Decisions/Unpublished/CoreFirst-Bank-Trust-v-Tuckness-1\nReadable opinion: https://caselaw.findlaw.com/court/ks-court-of-appeals/1888122.html","Credit-card contract, three-year trial ruling, partial payment, and abandoned appellate issue","Fresh readable-opinion check. Unpublished Feb. 2, 2018; official landing returned 403. Apparent statutory citation typo preserved as source defect. Not controlling classification authority. \nFindLaw"],["S_KS-P12-S028","First National Bank of Omaha v. Lucas, Kansas Court of Appeals:\nhttps://law.justia.com/cases/kansas/court-of-appeals/2024/127685.html","Credit-card proof through admissions, use, and statements","Fresh selected read. 2024 memorandum opinion, not designated for publication. No limitations classification holding. \nJustia Law"],["S_KS-P12-S029","Kansas Courts bounded credit-card search results:\nhttps://kscourts.gov/Cases-Decisions/Decisions/Unpublished/Portfolio-Recovery-Associates-v-Kimrey","Search result identified unpublished Kimrey and stated parties agreed on three-year unwritten-contract period","Discovery/access failure. Official page returned HTTP 403, so the complete opinion was not read and is not relied upon for a substantive holding. No full Kansas citator or trial-court docket search was performed. \nKansas Courts"]]},{"headers":["Claim ID","Precise assertion","Source and pinpoint","Conditions, consequence, and confidence"],"index":7,"links":[{"href":"https://www.kslegislature.gov/b2025_26/laws/060_000_0000_chapter/060_005_0000_article/060_005_0011_section/060_005_0011_k/?utm_source=chatgpt.com","text":"Kansas Legislature"},{"href":"https://www.kslegislature.gov/b2025_26/laws/060_000_0000_chapter/060_005_0000_article/060_005_0012_section/060_005_0012_k/?utm_source=chatgpt.com","text":"Kansas Legislature"},{"href":"https://law.justia.com/cases/kansas/supreme-court/1979/49-588-1.html","text":"Justia Law"},{"href":"https://law.justia.com/cases/kansas/supreme-court/1979/49-588-1.html","text":"Justia Law"},{"href":"https://law.justia.com/cases/kansas/supreme-court/1979/49-588-1.html","text":"Justia 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Legislature"}],[{"href":"https://www.kslegislature.gov/b2025_26/laws/084_000_0000_chapter/084_003_0000_article/084_003_0104_section/084_003_0104_k/?utm_source=chatgpt.com","text":"Kansas Legislature"}],[{"href":"https://law.justia.com/cases/kansas/court-of-appeals/1997/75342.html","text":"Justia Law"}],[{"href":"https://law.justia.com/cases/kansas/court-of-appeals/1997/75342.html","text":"Justia Law"}],[],[{"href":"https://law.justia.com/cases/kansas/supreme-court/1983/55-137-1.html","text":"Justia Law"}],[{"href":"https://law.justia.com/cases/kansas/supreme-court/2008/96697.html","text":"Justia Law"}],[{"href":"https://law.justia.com/cases/kansas/court-of-appeals/2021/122179.html","text":"Justia Law"}],[{"href":"https://law.justia.com/cases/kansas/court-of-appeals/2021/122179.html","text":"Justia Law"}],[{"href":"https://www.kslegislature.gov/b2025_26/laws/016a_000_0000_chapter/016a_005_0000_article/016a_005_0111_section/016a_005_0111_k/?utm_source=chatgpt.com","text":"Kansas 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Law"}],[{"href":"https://www.kslegislature.gov/b2025_26/laws/060_000_0000_chapter/060_002_0000_article/060_002_0003_section/060_002_0003_k/?utm_source=chatgpt.com","text":"Kansas Legislature"}],[{"href":"https://law.justia.com/cases/kansas/court-of-appeals/2009/98907.html","text":"Justia Law"}],[{"href":"https://www.kslegislature.gov/b2025_26/laws/060_000_0000_chapter/060_002_0000_article/060_002_0006_section/060_002_0006_k/?utm_source=chatgpt.com","text":"Kansas Legislature"}],[{"href":"https://law.justia.com/cases/kansas/court-of-appeals/1984/55-617-7.html","text":"Justia Law"}],[{"href":"https://law.justia.com/cases/kansas/supreme-court/1956/40-202-0.html","text":"Justia Law\n+1"}],[{"href":"https://www.ecfr.gov/current/title-12/chapter-X/part-1006/subpart-B/section-1006.26?utm_source=chatgpt.com","text":"eCFR"}],[{"href":"https://www.ecfr.gov/current/title-12/chapter-X/part-1006/appendix-Supplement%20I%20to%20Part%201006?utm_source=chatgpt.com","text":"eCFR"}],[],[],[],[],[]],"rows":[["Claim ID","Precise assertion","Source and pinpoint","Conditions, consequence, and confidence"],["S_KS-P12-C001","Kansas has no universal limitation period for all consumer debt.","S001–S005","High. Claim and instrument classification control."],["S_KS-P12-C002","An ordinary written contractual action generally has a five-year period.","S001, §60-511(1). (Kansas Legislature)","High. Specific statutes can supersede it."],["S_KS-P12-C003","An express or implied contractual obligation not in writing generally has a three-year period.","S001, §60-512(1). (Kansas Legislature)","High."],["S_KS-P12-C004","Five-year written status requires writings complete enough to establish all material terms without oral proof supplying an essential term.","S009, 226 Kan. at 174–75. \nJustia Law","High controlling rule."],["S_KS-P12-C005","A contract partly written and partly oral is treated as oral for limitations where oral proof supplies material terms.","S009. \nJustia Law","High."],["S_KS-P12-C006","Complete writing need not be signed by every party if executed by the party charged and accepted and acted upon by the other.","S009. \nJustia Law","High."],["S_KS-P12-C007","No published categorical Kansas rule assigning every credit-card claim a three- or five-year period was located.","S027–S029 and bounded official searches","Medium-high bounded finding. Search silence is not proof no unpublished authority exists."],["S_KS-P12-C008","Unpublished CoreFirst does not establish a controlling universal credit-card period.","S027. \nFindLaw","High source-status conclusion."],["S_KS-P12-C009","A mutual open running account requires reciprocal connected debits and credits and a shared intent to maintain one shifting balance.","S011. \nJustia Law","High. Ordinary revolving debt is not automatically such an account."],["S_KS-P12-C010","Account stated is a new agreement fixing a balance and can arise from express or implied assent.","S012. \nJustia Law","High."],["S_KS-P12-C011","Account stated need not be written or signed, so it does not automatically receive five years.","S012. \nJustia Law","High."],["S_KS-P12-C012","A qualifying definite-time negotiable note is generally subject to six years from due date or accelerated due date.","S004, §84-3-118(a). (Kansas Legislature)","High. Instrument must first satisfy Article 3."],["S_KS-P12-C013","A qualifying demand note is generally subject to six years after demand.","S004, §84-3-118(b). (Kansas Legislature)","High."],["S_KS-P12-C014","With no demand, a demand-note action is barred after ten continuous years without principal or interest payment.","S004, §84-3-118(b). (Kansas Legislature)","High. Exact start requires instrument/payment facts."],["S_KS-P12-C015","A document called a note does not receive Article 3 treatment unless it satisfies §§84-3-104 and 84-3-108.","S004. (Kansas Legislature)","High."],["S_KS-P12-C016","A cause accrues when the claimant has a present right to maintain the action.","S001 §60-510; S010. \nJustia Law","High."],["S_KS-P12-C017","Continuing account activity does not postpone accrual of an already actionable breach.","S010. \nJustia Law","High, claim-specific."],["S_KS-P12-C018","Installments ordinarily accrue separately as each becomes due absent acceleration.","S013; S014","High general rule; exact consumer-credit application depends on contract and UCCC."],["S_KS-P12-C019","Without acceleration, suit for unmatured principal can be premature.","S014. \nJustia Law","High."],["S_KS-P12-C020","Absolute automatic-acceleration language can mature the full debt upon default without separate election.","S015. \nJustia Law","High contract principle."],["S_KS-P12-C021","Optional acceleration generally requires clear election and affirmative enforcement.","S016. \nJustia Law","High, with mortgage-fact limitation."],["S_KS-P12-C022","A conditional future acceleration threat is not completed optional acceleration.","S016. \nJustia Law","High."],["S_KS-P12-C023","UCCC cure rights can prevent immediate acceleration for covered installment-payment default.","S005, §16a-5-111. (Kansas Legislature)","High. Coverage and prior cure history required."],["S_KS-P12-C024","Acceptance of late performance can waive acceleration rights, subject to fact-specific retraction.","S015. \nJustia Law","High general contract principle."],["S_KS-P12-C025","No universal Kansas deacceleration rule for ordinary unsecured debt was located.","S015–S016 bounded review","Unresolved."],["S_KS-P12-C026","Charge-off, assignment, and collection placement are not statutory revival events.","S001–S002","High bounded textual conclusion."],["S_KS-P12-C027","Assignment does not itself create a new debtor promise or reset accrual.","S001–S002","High general conclusion; novation/new agreement remains separate."],["S_KS-P12-C028","K.S.A. 60-520 recognizes payment, acknowledgment, and promise as distinct revival events.","S002, §60-520(a). (Kansas Legislature)","High."],["S_KS-P12-C029","A separate acknowledgment or promise must be written and signed; part payment need not be.","S002; S017–S019. \nFindLaw","High."],["S_KS-P12-C030","Part payment can revive an already time-barred contractual claim.","S017. \nFindLaw","High controlling holding."],["S_KS-P12-C031","A part payment can be expressly qualified and revive only the acknowledged portion.","S017. \nFindLaw","High; final Kansas Supreme Court holding."],["S_KS-P12-C032","Payment must be attributable to the obligor or authorized actor and acknowledge the obligation in question.","S018. \nJustia Law","High."],["S_KS-P12-C033","One joint debtor’s payment does not automatically revive against another.","S002 §60-520(b); S018–S020. (Kansas Legislature)","High."],["S_KS-P12-C034","Creditor’s unilateral credit or ledger notation does not alone establish debtor payment or acknowledgment.","S018. \nJustia Law","High."],["S_KS-P12-C035","Electronic acknowledgment can satisfy writing/signature only if UETA agreement, intent, and attribution predicates are established.","S006. (Kansas Legislature)","High conditional rule."],["S_KS-P12-C036","Settlement negotiation does not automatically revive; actual payment or qualifying signed acknowledgment/promise is required.","S002; S017","High."],["S_KS-P12-C037","Kansas generally treats limitation periods as procedural forum law.","S010; S022. \nJustia Law\n+1","High."],["S_KS-P12-C038","Generic foreign-law clause ordinarily does not import foreign limitations law.","S010. \nJustia Law","High. Express selection and UCCC constraints remain."],["S_KS-P12-C039","Covered Kansas UCCC transaction generally cannot validly select another state’s law, jurisdiction, or venue.","S005, §16a-1-201(7). (Kansas Legislature)","High, subject to subsection (3)."],["S_KS-P12-C040","Foreign-accrued claim barred where it arose is generally barred in Kansas.","S002, §60-516. (Kansas Legislature)","High."],["S_KS-P12-C041","Kansas resident continuously holding the claim from accrual can invoke the borrowing-statute exception.","S002, §60-516.","High."],["S_KS-P12-C042","Place of accrual turns on where the claimant first had a right to sue, not merely the transaction’s origin.","S021. \nJustia Law","High case holding."],["S_KS-P12-C043","Physical absence does not toll where whereabouts are known and service is available.","S002, §60-517. (Kansas Legislature)","High."],["S_KS-P12-C044","Legal disability can extend qualifying claims but carries a statutory eight-year outer limit.","S002, §60-515. (Kansas Legislature)","High. Usually protects the claimant under disability."],["S_KS-P12-C045","Timely action failing otherwise than on merits can potentially be refiled within six months.","S002, §60-518. (Kansas Legislature)","High; procedural predicates required."],["S_KS-P12-C046","Time during which commencement is stayed by injunction is excluded under §60-519.","S002, §60-519. (Kansas Legislature)","High."],["S_KS-P12-C047","Bankruptcy §108(c) supplies the later of nonbankruptcy deadline including suspension or 30 days after notice of stay termination.","S007. (U.S. Code)","High federal text."],["S_KS-P12-C048","Kansas has treated the automatic stay as an injunction for §60-519 in the context considered.","S023. \nJustia Law","High case holding, context-limited."],["S_KS-P12-C049","Filing relates back only if service/publication occurs within 90 days, subject to extension and cure provisions.","S003, §60-203. (Kansas Legislature)","High."],["S_KS-P12-C050","Actual knowledge does not necessarily substitute for valid timely service.","S024. \nJustia Law","High."],["S_KS-P12-C051","Event day is excluded; intermediate weekends count; terminal weekend/holiday extends.","S003, §60-206(a). (Kansas Legislature)","High general computation rule."],["S_KS-P12-C052","Limitations is an affirmative defense and can be waived.","S003, §60-208(c); S025. \nJustia Law","High."],["S_KS-P12-C053","Expiration ordinarily bars the remedy rather than extinguishing the debt.","S026. \nJustia Law\n+1","High Kansas rule."],["S_KS-P12-C054","Covered federal debt collector may not sue or threaten suit on time-barred debt.","S008, 12 C.F.R. §1006.26. (eCFR)","High."],["S_KS-P12-C055","Regulation F does not prohibit every truthful nonthreatening request or acceptance of voluntary payment.","S008, official commentary. (eCFR)","High conditional boundary."],["S_KS-P12-C056","No general Kansas mandatory time-barred-debt disclosure was verified in this focused pass.","S001–S008 and bounded searches","Bounded negative finding."],["S_KS-P12-C057","Credit-reporting obsolescence does not determine suit limitation or debt extinguishment.","S001–S008","High legal-layer distinction."],["S_KS-P12-C058","Assignment, collector status, and debt-buyer status do not select the governing period.","C002–C027","High synthesis. Claim and instrument control."],["S_KS-P12-C059","No blanket equitable tolling doctrine for every ordinary Kansas debt claim was established.","S002–S003 bounded review","Unresolved beyond specific statutes."],["S_KS-P12-C060","Exact deadline cannot be determined without contract, payment, acceleration, assignment, service, and tolling facts.","Entire component","High. No individualized deadline supplied."]]},{"headers":["Assigned issue","Status","Claims","Exact missing evidence or next action"],"index":8,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Assigned issue","Status","Claims","Exact missing evidence or next action"],["Five-year written-contract period","Answered","C002, C004–C006","Actual complete writings"],["Three-year unwritten-contract period","Answered","C003, C005","Actual oral/implied terms"],["Written-document sufficiency","Answered at controlling-rule level","C004–C006","Account-specific documents"],["Credit-card universal period","Unresolved; no categorical published rule located","C007–C008","Complete contract and controlling published classification authority"],["Credit-card three-year branch","Supported conditionally","C003, C007–C008","Proof claim depends on unwritten/implied promise"],["Credit-card five-year branch","Supported conditionally","C002, C004","Complete material written promise"],["Revolving-account accrual","Partial","C007, C016–C027","Agreement, due dates, cure, acceleration, closure, payments"],["Ordinary open account","Partial","C009","Actual reciprocity and account structure"],["Mutual open running account","Answered doctrinally","C009","Consumer-credit application requires facts"],["Account stated","Answered doctrinally","C010–C011","Assent, objection, balance, and form"],["Negotiable-instrument classification","Answered","C012–C015","Actual note"],["Definite-time note period","Answered","C012","Due and acceleration dates"],["Demand-note period","Answered","C013–C014","Demand and last-payment facts"],["General accrual standard","Answered","C016–C017","Actual breach"],["Installment-by-installment accrual","Answered generally","C018–C019","Contract and sector rules"],["Full-balance maturity","Answered generally","C019–C023","Maturity, acceleration, cure"],["Automatic acceleration","Answered doctrinally","C020","Exact clause and default"],["Optional acceleration","Answered doctrinally","C021–C022","Notice, election, affirmative act"],["UCCC cure effect","Answered","C023","Coverage and prior cure history"],["Waiver by late payments","Answered generally","C024","Course of performance and notice"],["Deacceleration","Unresolved for ordinary unsecured debt","C025","Controlling case or contract-specific authority"],["Charge-off as accrual","Rejected as automatic event","C026","Contractual accrual still required"],["Assignment/sale reset","Rejected absent new agreement/revival","C026–C027","Novation or new promise if asserted"],["Cancellation of charging privileges","Partial","C016–C027","Contract’s maturity/default terms"],["Last payment as accrual","Not universal","C016, C028–C034","Whether payment revives"],["Part-payment revival","Answered","C028–C034","Authorization, intent, allocation, qualification"],["Revival after original bar","Answered","C030–C031","Valid qualifying event"],["Qualified payment","Answered through controlling case","C031","Actual accompanying statement"],["Interest versus principal revival","Answered conditionally","C031","Qualification evidence"],["Written acknowledgment","Answered","C028–C029","Signed writing and present liability"],["Electronic acknowledgment","Answered conditionally","C035","E-signature, attribution, e-transaction consent"],["Joint-debtor payment","Answered","C033","Authority, knowledge, consent, ratification"],["Creditor ledger entry","Answered—insufficient alone","C034","Proof of actual debtor-authorized payment"],["Settlement negotiation","Answered as nonautomatic revival","C036","Actual writing/payment language"],["Current Article 3 revival interaction","Partial/unresolved","C012–C015, C028","Controlling reconciliation of §§60-520 and 84-3-118"],["Kansas forum procedural rule","Answered","C037","Claim-specific borrowing/contract exceptions"],["Generic choice-of-law clause","Answered","C038","Actual clause"],["Express foreign-limitations clause","Partial","C038–C039","UCCC coverage and public-policy enforceability"],["UCCC foreign-law clause","Answered","C039","Subsection (3) exception and transaction coverage"],["Borrowing statute","Answered","C040–C042","Place of accrual, foreign law, creditor residence"],["Foreign-law tolling","Not generally imported here","C040–C042","If needed, read foreign law and Kansas borrowing treatment"],["Absence/concealment tolling","Answered","C043","Whereabouts and service availability"],["Legal disability","Answered","C044","Claimant identity and disability dates"],["Savings statute","Answered at threshold","C045","First-case record and disposition"],["Injunction tolling","Answered","C046","Exact injunction dates and scope"],["Bankruptcy extension","Answered narrowly","C047–C048","Petition, stay, notice, discharge, state suspension"],["General equitable tolling","Not established","C059","Claim-specific equitable authority"],["Filing before expiration","Answered but insufficient alone","C049–C050","Service facts"],["Ninety-day service relation","Answered","C049","Filing and valid-service dates"],["Thirty-day good-cause extension","Answered as statutory possibility","C049","Actual court order and good cause"],["Invalid-service cure","Answered as statutory possibility","C049","Adjudication date and new service"],["Weekend/holiday computation","Answered generally","C051","Actual dates and legal holidays"],["Limitations defense","Answered as affirmative/waivable","C052","Pleadings and amendment history"],["Court sua-sponte limitations","Partial/context-dependent","C052","Procedural posture and governing special rules"],["Debt extinguishment","Answered—ordinary period bars remedy","C053","Discharge, settlement, forgiveness separately"],["FDCPA suit/threat on time-barred debt","Answered conditionally","C054","Actor and debt definitions, correct Kansas clock"],["Voluntary request on time-barred debt","Answered narrowly","C055","Actual communication and other laws"],["Kansas time-barred disclosure","Not verified","C056","Later enactments, sector and enforcement materials"],["Credit-reporting clock","Excluded; separate from suit period","C057","PASS-11 remains unreviewed"],["Sale-of-goods claims","Excluded","—","K.S.A. 84-2-725 and transaction classification"],["Mortgages and foreclosure","Excluded except acceleration gateway","—","Separate sector pass"],["Secured vehicle/repo/deficiency","Excluded","—","Separate UCCC/UCC sector pass"],["Medical-specific debt","Excluded","—","Separate medical billing/contract pass"],["Utilities, rent, education, support, tax","Excluded","—","Sector-specific passes"],["Probate claims","Excluded","—","Probate nonclaim statutes"],["Bankruptcy procedure","Excluded except §108(c) gateway","C047–C048","Separate bankruptcy pass"],["Judgments, liens, renewal, garnishment","Excluded","—","Separate post-judgment pass"],["Fraud and tort remedies","Excluded","—","Separate claim-specific limitations"],["Local and tribal law","Excluded","—","Separate jurisdictional review"],["Full litigation procedure","Excluded beyond commencement","C049–C052","Service, venue, answer, default, evidence"],["Actual provider/account deadline","Not evaluated","C060","Complete account and court record required"],["Component/state/parent/A066 acceptance","Not evaluated","—","No acceptance follows from PASS-12"]]}],"claims":[{"claim_id":"S_KS-P12-C001","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P12-C001","Precise assertion":"Kansas has no universal limitation period for all consumer debt.","Source and pinpoint":"S001–S005","Conditions, consequence, and confidence":"High. Claim and instrument classification control."},"coordinator_verification_status":"selected_text_or_synthesis_checked_with_holds","coordinator_review":{"at":"2026-10-29T03:20:36.198953+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel backlog review","review":"[internal evidence reference]","material_findings":[],"actual_claim_application_accepted":false,"case_primary_freshly_checked":false,"source_scope":"Read maps and report exceptions control; no blanket independent/whole-case/currentness/parent acceptance."}},{"claim_id":"S_KS-P12-C002","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P12-C002","Precise assertion":"An ordinary written contractual action generally has a five-year period.","Source and pinpoint":"S001, §60-511(1). (Kansas Legislature)","Conditions, consequence, and confidence":"High. Specific statutes can supersede it."},"coordinator_verification_status":"selected_text_or_synthesis_checked_with_holds","coordinator_review":{"at":"2026-10-29T03:20:36.198953+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel backlog review","review":"[internal evidence reference]","material_findings":[],"actual_claim_application_accepted":false,"case_primary_freshly_checked":false,"source_scope":"Read maps and report exceptions control; no blanket independent/whole-case/currentness/parent acceptance."}},{"claim_id":"S_KS-P12-C003","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P12-C003","Precise assertion":"An express or implied contractual obligation not in writing generally has a three-year period.","Source and pinpoint":"S001, §60-512(1). (Kansas Legislature)","Conditions, consequence, and confidence":"High."},"coordinator_verification_status":"selected_text_or_synthesis_checked_with_holds","coordinator_review":{"at":"2026-10-29T03:20:36.198953+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel backlog review","review":"[internal evidence reference]","material_findings":[],"actual_claim_application_accepted":false,"case_primary_freshly_checked":false,"source_scope":"Read maps and report exceptions control; no blanket independent/whole-case/currentness/parent acceptance."}},{"claim_id":"S_KS-P12-C004","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P12-C004","Precise assertion":"Five-year written status requires writings complete enough to establish all material terms without oral proof supplying an essential term.","Source and pinpoint":"S009, 226 Kan. at 174–75. \nJustia Law","Conditions, consequence, and confidence":"High controlling rule."},"coordinator_verification_status":"case_or_negative_search_primary_hold_retained","coordinator_review":{"at":"2026-10-29T03:20:36.198953+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel backlog review","review":"[internal evidence reference]","material_findings":[],"actual_claim_application_accepted":false,"case_primary_freshly_checked":false,"source_scope":"Read maps and report exceptions control; no blanket independent/whole-case/currentness/parent acceptance."}},{"claim_id":"S_KS-P12-C005","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P12-C005","Precise assertion":"A contract partly written and partly oral is treated as oral for limitations where oral proof supplies material terms.","Source and pinpoint":"S009. \nJustia Law","Conditions, consequence, and confidence":"High."},"coordinator_verification_status":"case_or_negative_search_primary_hold_retained","coordinator_review":{"at":"2026-10-29T03:20:36.198953+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel backlog review","review":"[internal evidence reference]","material_findings":[],"actual_claim_application_accepted":false,"case_primary_freshly_checked":false,"source_scope":"Read maps and report exceptions control; no blanket independent/whole-case/currentness/parent acceptance."}},{"claim_id":"S_KS-P12-C006","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P12-C006","Precise assertion":"Complete writing need not be signed by every party if executed by the party charged and accepted and acted upon by the other.","Source and pinpoint":"S009. \nJustia Law","Conditions, consequence, and confidence":"High."},"coordinator_verification_status":"case_or_negative_search_primary_hold_retained","coordinator_review":{"at":"2026-10-29T03:20:36.198953+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel backlog review","review":"[internal evidence reference]","material_findings":[],"actual_claim_application_accepted":false,"case_primary_freshly_checked":false,"source_scope":"Read maps and report exceptions control; no blanket independent/whole-case/currentness/parent acceptance."}},{"claim_id":"S_KS-P12-C007","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P12-C007","Precise assertion":"No published categorical Kansas rule assigning every credit-card claim a three- or five-year period was located.","Source and pinpoint":"S027–S029 and bounded official searches","Conditions, consequence, and confidence":"Medium-high bounded finding. Search silence is not proof no unpublished authority exists."},"coordinator_verification_status":"case_or_negative_search_primary_hold_retained","coordinator_review":{"at":"2026-10-29T03:20:36.198953+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel backlog review","review":"[internal evidence reference]","material_findings":[],"actual_claim_application_accepted":false,"case_primary_freshly_checked":false,"source_scope":"Read maps and report exceptions control; no blanket independent/whole-case/currentness/parent acceptance."}},{"claim_id":"S_KS-P12-C008","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P12-C008","Precise assertion":"Unpublished CoreFirst does not establish a controlling universal credit-card period.","Source and pinpoint":"S027. \nFindLaw","Conditions, consequence, and confidence":"High source-status conclusion."},"coordinator_verification_status":"case_or_negative_search_primary_hold_retained","coordinator_review":{"at":"2026-10-29T03:20:36.198953+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel backlog review","review":"[internal evidence reference]","material_findings":[],"actual_claim_application_accepted":false,"case_primary_freshly_checked":false,"source_scope":"Read maps and report exceptions control; no blanket independent/whole-case/currentness/parent acceptance."}},{"claim_id":"S_KS-P12-C009","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P12-C009","Precise assertion":"A mutual open running account requires reciprocal connected debits and credits and a shared intent to maintain one shifting balance.","Source and pinpoint":"S011. \nJustia Law","Conditions, consequence, and confidence":"High. Ordinary revolving debt is not automatically such an account."},"coordinator_verification_status":"case_or_negative_search_primary_hold_retained","coordinator_review":{"at":"2026-10-29T03:20:36.198953+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel backlog review","review":"[internal evidence reference]","material_findings":[],"actual_claim_application_accepted":false,"case_primary_freshly_checked":false,"source_scope":"Read maps and report exceptions control; no blanket independent/whole-case/currentness/parent acceptance."}},{"claim_id":"S_KS-P12-C010","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P12-C010","Precise assertion":"Account stated is a new agreement fixing a balance and can arise from express or implied assent.","Source and pinpoint":"S012. \nJustia Law","Conditions, consequence, and confidence":"High."},"coordinator_verification_status":"case_or_negative_search_primary_hold_retained","coordinator_review":{"at":"2026-10-29T03:20:36.198953+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel backlog review","review":"[internal evidence reference]","material_findings":[],"actual_claim_application_accepted":false,"case_primary_freshly_checked":false,"source_scope":"Read maps and report exceptions control; no blanket independent/whole-case/currentness/parent acceptance."}},{"claim_id":"S_KS-P12-C011","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P12-C011","Precise assertion":"Account stated need not be written or signed, so it does not automatically receive five years.","Source and pinpoint":"S012. \nJustia Law","Conditions, consequence, and confidence":"High."},"coordinator_verification_status":"case_or_negative_search_primary_hold_retained","coordinator_review":{"at":"2026-10-29T03:20:36.198953+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel backlog review","review":"[internal evidence reference]","material_findings":[],"actual_claim_application_accepted":false,"case_primary_freshly_checked":false,"source_scope":"Read maps and report exceptions control; no blanket independent/whole-case/currentness/parent acceptance."}},{"claim_id":"S_KS-P12-C012","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P12-C012","Precise assertion":"A qualifying definite-time negotiable note is generally subject to six years from due date or accelerated due date.","Source and pinpoint":"S004, §84-3-118(a). (Kansas Legislature)","Conditions, consequence, and confidence":"High. Instrument must first satisfy Article 3."},"coordinator_verification_status":"selected_text_or_synthesis_checked_with_holds","coordinator_review":{"at":"2026-10-29T03:20:36.198953+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel backlog review","review":"[internal evidence reference]","material_findings":[],"actual_claim_application_accepted":false,"case_primary_freshly_checked":false,"source_scope":"Read maps and report exceptions control; no blanket independent/whole-case/currentness/parent acceptance."}},{"claim_id":"S_KS-P12-C013","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P12-C013","Precise assertion":"A qualifying demand note is generally subject to six years after demand.","Source and pinpoint":"S004, §84-3-118(b). (Kansas Legislature)","Conditions, consequence, and confidence":"High."},"coordinator_verification_status":"selected_text_or_synthesis_checked_with_holds","coordinator_review":{"at":"2026-10-29T03:20:36.198953+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel backlog review","review":"[internal evidence reference]","material_findings":[],"actual_claim_application_accepted":false,"case_primary_freshly_checked":false,"source_scope":"Read maps and report exceptions control; no blanket independent/whole-case/currentness/parent acceptance."}},{"claim_id":"S_KS-P12-C014","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P12-C014","Precise assertion":"With no demand, a demand-note action is barred after ten continuous years without principal or interest payment.","Source and pinpoint":"S004, §84-3-118(b). (Kansas Legislature)","Conditions, consequence, and confidence":"High. Exact start requires instrument/payment facts."},"coordinator_verification_status":"selected_text_or_synthesis_checked_with_holds","coordinator_review":{"at":"2026-10-29T03:20:36.198953+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel backlog review","review":"[internal evidence reference]","material_findings":[],"actual_claim_application_accepted":false,"case_primary_freshly_checked":false,"source_scope":"Read maps and report exceptions control; no blanket independent/whole-case/currentness/parent acceptance."}},{"claim_id":"S_KS-P12-C015","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P12-C015","Precise assertion":"A document called a note does not receive Article 3 treatment unless it satisfies §§84-3-104 and 84-3-108.","Source and pinpoint":"S004. (Kansas Legislature)","Conditions, consequence, and confidence":"High."},"coordinator_verification_status":"selected_text_or_synthesis_checked_with_holds","coordinator_review":{"at":"2026-10-29T03:20:36.198953+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel backlog review","review":"[internal evidence reference]","material_findings":[],"actual_claim_application_accepted":false,"case_primary_freshly_checked":false,"source_scope":"Read maps and report exceptions control; no blanket independent/whole-case/currentness/parent acceptance."}},{"claim_id":"S_KS-P12-C016","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P12-C016","Precise assertion":"A cause accrues when the claimant has a present right to maintain the action.","Source and pinpoint":"S001 §60-510; S010. \nJustia Law","Conditions, consequence, and confidence":"High."},"coordinator_verification_status":"case_or_negative_search_primary_hold_retained","coordinator_review":{"at":"2026-10-29T03:20:36.198953+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel backlog review","review":"[internal evidence reference]","material_findings":[],"actual_claim_application_accepted":false,"case_primary_freshly_checked":false,"source_scope":"Read maps and report exceptions control; no blanket independent/whole-case/currentness/parent acceptance."}},{"claim_id":"S_KS-P12-C017","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P12-C017","Precise assertion":"Continuing account activity does not postpone accrual of an already actionable breach.","Source and pinpoint":"S010. \nJustia Law","Conditions, consequence, and confidence":"High, claim-specific."},"coordinator_verification_status":"case_or_negative_search_primary_hold_retained","coordinator_review":{"at":"2026-10-29T03:20:36.198953+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel backlog review","review":"[internal evidence reference]","material_findings":[],"actual_claim_application_accepted":false,"case_primary_freshly_checked":false,"source_scope":"Read maps and report exceptions control; no blanket independent/whole-case/currentness/parent acceptance."}},{"claim_id":"S_KS-P12-C018","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P12-C018","Precise assertion":"Installments ordinarily accrue separately as each becomes due absent acceleration.","Source and pinpoint":"S013; S014","Conditions, consequence, and confidence":"High general rule; exact consumer-credit application depends on contract and UCCC."},"coordinator_verification_status":"case_or_negative_search_primary_hold_retained","coordinator_review":{"at":"2026-10-29T03:20:36.198953+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel backlog review","review":"[internal evidence reference]","material_findings":[],"actual_claim_application_accepted":false,"case_primary_freshly_checked":false,"source_scope":"Read maps and report exceptions control; no blanket independent/whole-case/currentness/parent acceptance."}},{"claim_id":"S_KS-P12-C019","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P12-C019","Precise assertion":"Without acceleration, suit for unmatured principal can be premature.","Source and pinpoint":"S014. \nJustia Law","Conditions, consequence, and confidence":"High."},"coordinator_verification_status":"case_or_negative_search_primary_hold_retained","coordinator_review":{"at":"2026-10-29T03:20:36.198953+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel backlog review","review":"[internal evidence reference]","material_findings":[],"actual_claim_application_accepted":false,"case_primary_freshly_checked":false,"source_scope":"Read maps and report exceptions control; no blanket independent/whole-case/currentness/parent acceptance."}},{"claim_id":"S_KS-P12-C020","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P12-C020","Precise assertion":"Absolute automatic-acceleration language can mature the full debt upon default without separate election.","Source and pinpoint":"S015. \nJustia Law","Conditions, consequence, and confidence":"High contract principle."},"coordinator_verification_status":"case_or_negative_search_primary_hold_retained","coordinator_review":{"at":"2026-10-29T03:20:36.198953+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel backlog review","review":"[internal evidence reference]","material_findings":[],"actual_claim_application_accepted":false,"case_primary_freshly_checked":false,"source_scope":"Read maps and report exceptions control; no blanket independent/whole-case/currentness/parent acceptance."}},{"claim_id":"S_KS-P12-C021","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P12-C021","Precise assertion":"Optional acceleration generally requires clear election and affirmative enforcement.","Source and pinpoint":"S016. \nJustia Law","Conditions, consequence, and confidence":"High, with mortgage-fact limitation."},"coordinator_verification_status":"case_or_negative_search_primary_hold_retained","coordinator_review":{"at":"2026-10-29T03:20:36.198953+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel backlog review","review":"[internal evidence reference]","material_findings":[],"actual_claim_application_accepted":false,"case_primary_freshly_checked":false,"source_scope":"Read maps and report exceptions control; no blanket independent/whole-case/currentness/parent acceptance."}},{"claim_id":"S_KS-P12-C022","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P12-C022","Precise assertion":"A conditional future acceleration threat is not completed optional acceleration.","Source and pinpoint":"S016. \nJustia Law","Conditions, consequence, and confidence":"High."},"coordinator_verification_status":"case_or_negative_search_primary_hold_retained","coordinator_review":{"at":"2026-10-29T03:20:36.198953+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel backlog review","review":"[internal evidence reference]","material_findings":[],"actual_claim_application_accepted":false,"case_primary_freshly_checked":false,"source_scope":"Read maps and report exceptions control; no blanket independent/whole-case/currentness/parent acceptance."}},{"claim_id":"S_KS-P12-C023","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P12-C023","Precise assertion":"UCCC cure rights can prevent immediate acceleration for covered installment-payment default.","Source and pinpoint":"S005, §16a-5-111. (Kansas Legislature)","Conditions, consequence, and confidence":"High. Coverage and prior cure history required."},"coordinator_verification_status":"selected_text_or_synthesis_checked_with_holds","coordinator_review":{"at":"2026-10-29T03:20:36.198953+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel backlog review","review":"[internal evidence reference]","material_findings":[],"actual_claim_application_accepted":false,"case_primary_freshly_checked":false,"source_scope":"Read maps and report exceptions control; no blanket independent/whole-case/currentness/parent acceptance."}},{"claim_id":"S_KS-P12-C024","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P12-C024","Precise assertion":"Acceptance of late performance can waive acceleration rights, subject to fact-specific retraction.","Source and pinpoint":"S015. \nJustia Law","Conditions, consequence, and confidence":"High general contract principle."},"coordinator_verification_status":"case_or_negative_search_primary_hold_retained","coordinator_review":{"at":"2026-10-29T03:20:36.198953+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel backlog review","review":"[internal evidence reference]","material_findings":[],"actual_claim_application_accepted":false,"case_primary_freshly_checked":false,"source_scope":"Read maps and report exceptions control; no blanket independent/whole-case/currentness/parent acceptance."}},{"claim_id":"S_KS-P12-C025","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P12-C025","Precise assertion":"No universal Kansas deacceleration rule for ordinary unsecured debt was located.","Source and pinpoint":"S015–S016 bounded review","Conditions, consequence, and confidence":"Unresolved."},"coordinator_verification_status":"case_or_negative_search_primary_hold_retained","coordinator_review":{"at":"2026-10-29T03:20:36.198953+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel backlog review","review":"[internal evidence reference]","material_findings":[],"actual_claim_application_accepted":false,"case_primary_freshly_checked":false,"source_scope":"Read maps and report exceptions control; no blanket independent/whole-case/currentness/parent acceptance."}},{"claim_id":"S_KS-P12-C026","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P12-C026","Precise assertion":"Charge-off, assignment, and collection placement are not statutory revival events.","Source and pinpoint":"S001–S002","Conditions, consequence, and confidence":"High bounded textual conclusion."},"coordinator_verification_status":"selected_text_or_synthesis_checked_with_holds","coordinator_review":{"at":"2026-10-29T03:20:36.198953+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel backlog review","review":"[internal evidence reference]","material_findings":[],"actual_claim_application_accepted":false,"case_primary_freshly_checked":false,"source_scope":"Read maps and report exceptions control; no blanket independent/whole-case/currentness/parent acceptance."}},{"claim_id":"S_KS-P12-C027","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P12-C027","Precise assertion":"Assignment does not itself create a new debtor promise or reset accrual.","Source and pinpoint":"S001–S002","Conditions, consequence, and confidence":"High general conclusion; novation/new agreement remains separate."},"coordinator_verification_status":"selected_text_or_synthesis_checked_with_holds","coordinator_review":{"at":"2026-10-29T03:20:36.198953+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel backlog review","review":"[internal evidence reference]","material_findings":[],"actual_claim_application_accepted":false,"case_primary_freshly_checked":false,"source_scope":"Read maps and report exceptions control; no blanket independent/whole-case/currentness/parent acceptance."}},{"claim_id":"S_KS-P12-C028","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P12-C028","Precise assertion":"K.S.A. 60-520 recognizes payment, acknowledgment, and promise as distinct revival events.","Source and pinpoint":"S002, §60-520(a). (Kansas Legislature)","Conditions, consequence, and confidence":"High."},"coordinator_verification_status":"selected_text_or_synthesis_checked_with_holds","coordinator_review":{"at":"2026-10-29T03:20:36.198953+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel backlog review","review":"[internal evidence reference]","material_findings":[],"actual_claim_application_accepted":false,"case_primary_freshly_checked":false,"source_scope":"Read maps and report exceptions control; no blanket independent/whole-case/currentness/parent acceptance."}},{"claim_id":"S_KS-P12-C029","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P12-C029","Precise assertion":"A separate acknowledgment or promise must be written and signed; part payment need not be.","Source and pinpoint":"S002; S017–S019. \nFindLaw","Conditions, consequence, and confidence":"High."},"coordinator_verification_status":"selected_text_or_synthesis_checked_with_holds","coordinator_review":{"at":"2026-10-29T03:20:36.198953+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel backlog review","review":"[internal evidence reference]","material_findings":[],"actual_claim_application_accepted":false,"case_primary_freshly_checked":false,"source_scope":"Read maps and report exceptions control; no blanket independent/whole-case/currentness/parent acceptance."}},{"claim_id":"S_KS-P12-C030","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P12-C030","Precise assertion":"Part payment can revive an already time-barred contractual claim.","Source and pinpoint":"S017. \nFindLaw","Conditions, consequence, and confidence":"High controlling holding."},"coordinator_verification_status":"case_or_negative_search_primary_hold_retained","coordinator_review":{"at":"2026-10-29T03:20:36.198953+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel backlog review","review":"[internal evidence reference]","material_findings":[],"actual_claim_application_accepted":false,"case_primary_freshly_checked":false,"source_scope":"Read maps and report exceptions control; no blanket independent/whole-case/currentness/parent acceptance."}},{"claim_id":"S_KS-P12-C031","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P12-C031","Precise assertion":"A part payment can be expressly qualified and revive only the acknowledged portion.","Source and pinpoint":"S017. \nFindLaw","Conditions, consequence, and confidence":"High; final Kansas Supreme Court holding."},"coordinator_verification_status":"case_or_negative_search_primary_hold_retained","coordinator_review":{"at":"2026-10-29T03:20:36.198953+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel backlog review","review":"[internal evidence reference]","material_findings":[],"actual_claim_application_accepted":false,"case_primary_freshly_checked":false,"source_scope":"Read maps and report exceptions control; no blanket independent/whole-case/currentness/parent acceptance."}},{"claim_id":"S_KS-P12-C032","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P12-C032","Precise assertion":"Payment must be attributable to the obligor or authorized actor and acknowledge the obligation in question.","Source and pinpoint":"S018. \nJustia Law","Conditions, consequence, and confidence":"High."},"coordinator_verification_status":"case_or_negative_search_primary_hold_retained","coordinator_review":{"at":"2026-10-29T03:20:36.198953+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel backlog review","review":"[internal evidence reference]","material_findings":[],"actual_claim_application_accepted":false,"case_primary_freshly_checked":false,"source_scope":"Read maps and report exceptions control; no blanket independent/whole-case/currentness/parent acceptance."}},{"claim_id":"S_KS-P12-C033","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P12-C033","Precise assertion":"One joint debtor’s payment does not automatically revive against another.","Source and pinpoint":"S002 §60-520(b); S018–S020. (Kansas Legislature)","Conditions, consequence, and confidence":"High."},"coordinator_verification_status":"selected_text_or_synthesis_checked_with_holds","coordinator_review":{"at":"2026-10-29T03:20:36.198953+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel backlog review","review":"[internal evidence reference]","material_findings":[],"actual_claim_application_accepted":false,"case_primary_freshly_checked":false,"source_scope":"Read maps and report exceptions control; no blanket independent/whole-case/currentness/parent acceptance."}},{"claim_id":"S_KS-P12-C034","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P12-C034","Precise assertion":"Creditor’s unilateral credit or ledger notation does not alone establish debtor payment or acknowledgment.","Source and pinpoint":"S018. \nJustia Law","Conditions, consequence, and confidence":"High."},"coordinator_verification_status":"case_or_negative_search_primary_hold_retained","coordinator_review":{"at":"2026-10-29T03:20:36.198953+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel backlog review","review":"[internal evidence reference]","material_findings":[],"actual_claim_application_accepted":false,"case_primary_freshly_checked":false,"source_scope":"Read maps and report exceptions control; no blanket independent/whole-case/currentness/parent acceptance."}},{"claim_id":"S_KS-P12-C035","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P12-C035","Precise assertion":"Electronic acknowledgment can satisfy writing/signature only if UETA agreement, intent, and attribution predicates are established.","Source and pinpoint":"S006. (Kansas Legislature)","Conditions, consequence, and confidence":"High conditional rule."},"coordinator_verification_status":"selected_text_or_synthesis_checked_with_holds","coordinator_review":{"at":"2026-10-29T03:20:36.198953+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel backlog review","review":"[internal evidence reference]","material_findings":[],"actual_claim_application_accepted":false,"case_primary_freshly_checked":false,"source_scope":"Read maps and report exceptions control; no blanket independent/whole-case/currentness/parent acceptance."}},{"claim_id":"S_KS-P12-C036","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P12-C036","Precise assertion":"Settlement negotiation does not automatically revive; actual payment or qualifying signed acknowledgment/promise is required.","Source and pinpoint":"S002; S017","Conditions, consequence, and confidence":"High."},"coordinator_verification_status":"selected_text_or_synthesis_checked_with_holds","coordinator_review":{"at":"2026-10-29T03:20:36.198953+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel backlog review","review":"[internal evidence reference]","material_findings":[],"actual_claim_application_accepted":false,"case_primary_freshly_checked":false,"source_scope":"Read maps and report exceptions control; no blanket independent/whole-case/currentness/parent acceptance."}},{"claim_id":"S_KS-P12-C037","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P12-C037","Precise assertion":"Kansas generally treats limitation periods as procedural forum law.","Source and pinpoint":"S010; S022. \nJustia Law\n+1","Conditions, consequence, and confidence":"High."},"coordinator_verification_status":"case_or_negative_search_primary_hold_retained","coordinator_review":{"at":"2026-10-29T03:20:36.198953+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel backlog review","review":"[internal evidence reference]","material_findings":[],"actual_claim_application_accepted":false,"case_primary_freshly_checked":false,"source_scope":"Read maps and report exceptions control; no blanket independent/whole-case/currentness/parent acceptance."}},{"claim_id":"S_KS-P12-C038","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P12-C038","Precise assertion":"Generic foreign-law clause ordinarily does not import foreign limitations law.","Source and pinpoint":"S010. \nJustia Law","Conditions, consequence, and confidence":"High. Express selection and UCCC constraints remain."},"coordinator_verification_status":"case_or_negative_search_primary_hold_retained","coordinator_review":{"at":"2026-10-29T03:20:36.198953+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel backlog review","review":"[internal evidence reference]","material_findings":[],"actual_claim_application_accepted":false,"case_primary_freshly_checked":false,"source_scope":"Read maps and report exceptions control; no blanket independent/whole-case/currentness/parent acceptance."}},{"claim_id":"S_KS-P12-C039","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P12-C039","Precise assertion":"Covered Kansas UCCC transaction generally cannot validly select another state’s law, jurisdiction, or venue.","Source and pinpoint":"S005, §16a-1-201(7). (Kansas Legislature)","Conditions, consequence, and confidence":"High, subject to subsection (3)."},"coordinator_verification_status":"selected_text_or_synthesis_checked_with_holds","coordinator_review":{"at":"2026-10-29T03:20:36.198953+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel backlog review","review":"[internal evidence reference]","material_findings":[],"actual_claim_application_accepted":false,"case_primary_freshly_checked":false,"source_scope":"Read maps and report exceptions control; no blanket independent/whole-case/currentness/parent acceptance."}},{"claim_id":"S_KS-P12-C040","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P12-C040","Precise assertion":"Foreign-accrued claim barred where it arose is generally barred in Kansas.","Source and pinpoint":"S002, §60-516. (Kansas Legislature)","Conditions, consequence, and confidence":"High."},"coordinator_verification_status":"selected_text_or_synthesis_checked_with_holds","coordinator_review":{"at":"2026-10-29T03:20:36.198953+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel backlog review","review":"[internal evidence reference]","material_findings":[],"actual_claim_application_accepted":false,"case_primary_freshly_checked":false,"source_scope":"Read maps and report exceptions control; no blanket independent/whole-case/currentness/parent acceptance."}},{"claim_id":"S_KS-P12-C041","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P12-C041","Precise assertion":"Kansas resident continuously holding the claim from accrual can invoke the borrowing-statute exception.","Source and pinpoint":"S002, §60-516.","Conditions, consequence, and confidence":"High."},"coordinator_verification_status":"selected_text_or_synthesis_checked_with_holds","coordinator_review":{"at":"2026-10-29T03:20:36.198953+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel backlog review","review":"[internal evidence reference]","material_findings":[],"actual_claim_application_accepted":false,"case_primary_freshly_checked":false,"source_scope":"Read maps and report exceptions control; no blanket independent/whole-case/currentness/parent acceptance."}},{"claim_id":"S_KS-P12-C042","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P12-C042","Precise assertion":"Place of accrual turns on where the claimant first had a right to sue, not merely the transaction’s origin.","Source and pinpoint":"S021. \nJustia Law","Conditions, consequence, and confidence":"High case holding."},"coordinator_verification_status":"case_or_negative_search_primary_hold_retained","coordinator_review":{"at":"2026-10-29T03:20:36.198953+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel backlog review","review":"[internal evidence reference]","material_findings":[],"actual_claim_application_accepted":false,"case_primary_freshly_checked":false,"source_scope":"Read maps and report exceptions control; no blanket independent/whole-case/currentness/parent acceptance."}},{"claim_id":"S_KS-P12-C043","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P12-C043","Precise assertion":"Physical absence does not toll where whereabouts are known and service is available.","Source and pinpoint":"S002, §60-517. (Kansas Legislature)","Conditions, consequence, and confidence":"High."},"coordinator_verification_status":"selected_text_or_synthesis_checked_with_holds","coordinator_review":{"at":"2026-10-29T03:20:36.198953+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel backlog review","review":"[internal evidence reference]","material_findings":[],"actual_claim_application_accepted":false,"case_primary_freshly_checked":false,"source_scope":"Read maps and report exceptions control; no blanket independent/whole-case/currentness/parent acceptance."}},{"claim_id":"S_KS-P12-C044","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P12-C044","Precise assertion":"Legal disability can extend qualifying claims but carries a statutory eight-year outer limit.","Source and pinpoint":"S002, §60-515. (Kansas Legislature)","Conditions, consequence, and confidence":"High. Usually protects the claimant under disability."},"coordinator_verification_status":"bounded_correction_pending_UNSENT","coordinator_review":{"at":"2026-10-29T03:20:36.198953+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel backlog review","review":"[internal evidence reference]","material_findings":["S_KS-P12-Q002"],"actual_claim_application_accepted":false,"case_primary_freshly_checked":false,"source_scope":"Read maps and report exceptions control; no blanket independent/whole-case/currentness/parent acceptance."}},{"claim_id":"S_KS-P12-C045","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P12-C045","Precise assertion":"Timely action failing otherwise than on merits can potentially be refiled within six months.","Source and pinpoint":"S002, §60-518. (Kansas Legislature)","Conditions, consequence, and confidence":"High; procedural predicates required."},"coordinator_verification_status":"selected_text_or_synthesis_checked_with_holds","coordinator_review":{"at":"2026-10-29T03:20:36.198953+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel backlog review","review":"[internal evidence reference]","material_findings":[],"actual_claim_application_accepted":false,"case_primary_freshly_checked":false,"source_scope":"Read maps and report exceptions control; no blanket independent/whole-case/currentness/parent acceptance."}},{"claim_id":"S_KS-P12-C046","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P12-C046","Precise assertion":"Time during which commencement is stayed by injunction is excluded under §60-519.","Source and pinpoint":"S002, §60-519. (Kansas Legislature)","Conditions, consequence, and confidence":"High."},"coordinator_verification_status":"selected_text_or_synthesis_checked_with_holds","coordinator_review":{"at":"2026-10-29T03:20:36.198953+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel backlog review","review":"[internal evidence reference]","material_findings":[],"actual_claim_application_accepted":false,"case_primary_freshly_checked":false,"source_scope":"Read maps and report exceptions control; no blanket independent/whole-case/currentness/parent acceptance."}},{"claim_id":"S_KS-P12-C047","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P12-C047","Precise assertion":"Bankruptcy §108(c) supplies the later of nonbankruptcy deadline including suspension or 30 days after notice of stay termination.","Source and pinpoint":"S007. (U.S. Code)","Conditions, consequence, and confidence":"High federal text."},"coordinator_verification_status":"selected_text_or_synthesis_checked_with_holds","coordinator_review":{"at":"2026-10-29T03:20:36.198953+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel backlog review","review":"[internal evidence reference]","material_findings":[],"actual_claim_application_accepted":false,"case_primary_freshly_checked":false,"source_scope":"Read maps and report exceptions control; no blanket independent/whole-case/currentness/parent acceptance."}},{"claim_id":"S_KS-P12-C048","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P12-C048","Precise assertion":"Kansas has treated the automatic stay as an injunction for §60-519 in the context considered.","Source and pinpoint":"S023. \nJustia Law","Conditions, consequence, and confidence":"High case holding, context-limited."},"coordinator_verification_status":"case_or_negative_search_primary_hold_retained","coordinator_review":{"at":"2026-10-29T03:20:36.198953+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel backlog review","review":"[internal evidence reference]","material_findings":[],"actual_claim_application_accepted":false,"case_primary_freshly_checked":false,"source_scope":"Read maps and report exceptions control; no blanket independent/whole-case/currentness/parent acceptance."}},{"claim_id":"S_KS-P12-C049","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P12-C049","Precise assertion":"Filing relates back only if service/publication occurs within 90 days, subject to extension and cure provisions.","Source and pinpoint":"S003, §60-203. (Kansas Legislature)","Conditions, consequence, and confidence":"High."},"coordinator_verification_status":"bounded_correction_pending_UNSENT","coordinator_review":{"at":"2026-10-29T03:20:36.198953+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel backlog review","review":"[internal evidence reference]","material_findings":["S_KS-P12-Q001"],"actual_claim_application_accepted":false,"case_primary_freshly_checked":false,"source_scope":"Read maps and report exceptions control; no blanket independent/whole-case/currentness/parent acceptance."}},{"claim_id":"S_KS-P12-C050","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P12-C050","Precise assertion":"Actual knowledge does not necessarily substitute for valid timely service.","Source and pinpoint":"S024. \nJustia Law","Conditions, consequence, and confidence":"High."},"coordinator_verification_status":"case_or_negative_search_primary_hold_retained","coordinator_review":{"at":"2026-10-29T03:20:36.198953+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel backlog review","review":"[internal evidence reference]","material_findings":[],"actual_claim_application_accepted":false,"case_primary_freshly_checked":false,"source_scope":"Read maps and report exceptions control; no blanket independent/whole-case/currentness/parent acceptance."}},{"claim_id":"S_KS-P12-C051","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P12-C051","Precise assertion":"Event day is excluded; intermediate weekends count; terminal weekend/holiday extends.","Source and pinpoint":"S003, §60-206(a). (Kansas Legislature)","Conditions, consequence, and confidence":"High general computation rule."},"coordinator_verification_status":"selected_text_or_synthesis_checked_with_holds","coordinator_review":{"at":"2026-10-29T03:20:36.198953+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel backlog review","review":"[internal evidence reference]","material_findings":[],"actual_claim_application_accepted":false,"case_primary_freshly_checked":false,"source_scope":"Read maps and report exceptions control; no blanket independent/whole-case/currentness/parent acceptance."}},{"claim_id":"S_KS-P12-C052","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P12-C052","Precise assertion":"Limitations is an affirmative defense and can be waived.","Source and pinpoint":"S003, §60-208(c); S025. \nJustia Law","Conditions, consequence, and confidence":"High."},"coordinator_verification_status":"case_or_negative_search_primary_hold_retained","coordinator_review":{"at":"2026-10-29T03:20:36.198953+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel backlog review","review":"[internal evidence reference]","material_findings":[],"actual_claim_application_accepted":false,"case_primary_freshly_checked":false,"source_scope":"Read maps and report exceptions control; no blanket independent/whole-case/currentness/parent acceptance."}},{"claim_id":"S_KS-P12-C053","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P12-C053","Precise assertion":"Expiration ordinarily bars the remedy rather than extinguishing the debt.","Source and pinpoint":"S026. \nJustia Law\n+1","Conditions, consequence, and confidence":"High Kansas rule."},"coordinator_verification_status":"case_or_negative_search_primary_hold_retained","coordinator_review":{"at":"2026-10-29T03:20:36.198953+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel backlog review","review":"[internal evidence reference]","material_findings":[],"actual_claim_application_accepted":false,"case_primary_freshly_checked":false,"source_scope":"Read maps and report exceptions control; no blanket independent/whole-case/currentness/parent acceptance."}},{"claim_id":"S_KS-P12-C054","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P12-C054","Precise assertion":"Covered federal debt collector may not sue or threaten suit on time-barred debt.","Source and pinpoint":"S008, 12 C.F.R. §1006.26. 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Mortgage facts; used narrowly for optional-acceleration steps. \nJustia Law"},"coordinator_verification_status":"unreopened_researcher_attribution_with_holds","coordinator_review":{"at":"2026-10-29T03:20:36.198953+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel backlog review","review":"[internal evidence reference]","primary_scope":[],"material_findings":[],"all_original_researcher_cells_preserved":true,"actual_application_not_accepted":true}},{"source_id":"S_KS-P12-S017","urls":["https://kscourts.gov/Cases-Decisions/Decisions/Published/O-Malley-v-Frazier-Supreme-Court","https://caselaw.findlaw.com/court/ks-supreme-court/1321419.html","https://caselaw.findlaw.com/ks-supreme-court/1321419.html"],"researcher_record":{"Source ID":"S_KS-P12-S017","Title, issuer, and full literal URL":"O’Malley v. Frazier, Kansas Supreme Court:\nOfficial landing: https://kscourts.gov/Cases-Decisions/Decisions/Published/O-Malley-v-Frazier-Supreme-Court\nReadable opinion: https://caselaw.findlaw.com/court/ks-supreme-court/1321419.html","Exact text or passage read":"273 Kan. 859; opinion lines 61–126, particularly 70–79, 83–117, and disposition at 125–126","Version, status, access, and limits":"Fresh full relevant read. Final Kansas Supreme Court decision, July 12, 2002; reversed Court of Appeals and affirmed district court’s limited revival. Official landing returned HTTP 403; readable public reproduction used. \nFindLaw"},"coordinator_verification_status":"unreopened_researcher_attribution_with_holds","coordinator_review":{"at":"2026-10-29T03:20:36.198953+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel backlog review","review":"[internal evidence reference]","primary_scope":[],"material_findings":[],"all_original_researcher_cells_preserved":true,"actual_application_not_accepted":true}},{"source_id":"S_KS-P12-S018","urls":["https://law.justia.com/cases/kansas/supreme-court/1959/41-238-0.html"],"researcher_record":{"Source ID":"S_KS-P12-S018","Title, issuer, and full literal URL":"Fisher v. Pendleton, Kansas Supreme Court:\nhttps://law.justia.com/cases/kansas/supreme-court/1959/41-238-0.html","Exact text or passage read":"184 Kan. 322; payment, acknowledgment, joint debtor, ratification at HTML lines 97–118","Version, status, access, and limits":"Fresh selected read. Published 1959 opinion under predecessor statute identical in material wording. \nJustia Law"},"coordinator_verification_status":"unreopened_researcher_attribution_with_holds","coordinator_review":{"at":"2026-10-29T03:20:36.198953+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel backlog review","review":"[internal evidence reference]","primary_scope":[],"material_findings":[],"all_original_researcher_cells_preserved":true,"actual_application_not_accepted":true}},{"source_id":"S_KS-P12-S019","urls":["https://law.justia.com/cases/kansas/supreme-court/1983/54-681-1.html","https://caselaw.findlaw.com/ks-supreme-court/1321419.html"],"researcher_record":{"Source ID":"S_KS-P12-S019","Title, issuer, and full literal URL":"Hustead v. Bendix Corp., Kansas Supreme Court:\nhttps://law.justia.com/cases/kansas/supreme-court/1983/54-681-1.html","Exact text or passage read":"Part-payment discussion and remand limitation","Version, status, access, and limits":"Fresh selected read. Published 1983 opinion. O’Malley later limited reliance on its payment language because the issue was not finally decided there. \nFindLaw"},"coordinator_verification_status":"unreopened_researcher_attribution_with_holds","coordinator_review":{"at":"2026-10-29T03:20:36.198953+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel backlog review","review":"[internal evidence reference]","primary_scope":[],"material_findings":[],"all_original_researcher_cells_preserved":true,"actual_application_not_accepted":true}},{"source_id":"S_KS-P12-S020","urls":["https://law.justia.com/cases/kansas/court-of-appeals/1982/53-541-6.html"],"researcher_record":{"Source ID":"S_KS-P12-S020","Title, issuer, and full literal URL":"Daniels Trucking, Inc. v. Rogers, Kansas Court of Appeals:\nhttps://law.justia.com/cases/kansas/court-of-appeals/1982/53-541-6.html","Exact text or passage read":"Joint-obligor payment, authority, consent, and ratification","Version, status, access, and limits":"Fresh selected read. Published 1982 opinion."},"coordinator_verification_status":"unreopened_researcher_attribution_with_holds","coordinator_review":{"at":"2026-10-29T03:20:36.198953+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel backlog review","review":"[internal evidence reference]","primary_scope":[],"material_findings":[],"all_original_researcher_cells_preserved":true,"actual_application_not_accepted":true}},{"source_id":"S_KS-P12-S021","urls":["https://law.justia.com/cases/kansas/supreme-court/1967/44-774-0.html"],"researcher_record":{"Source ID":"S_KS-P12-S021","Title, issuer, and full literal URL":"Green v. Kensinger, Kansas Supreme Court:\nhttps://law.justia.com/cases/kansas/supreme-court/1967/44-774-0.html","Exact text or passage read":"Foreign accrual and K.S.A. 60-516 analysis","Version, status, access, and limits":"Fresh selected read. Published 1967 opinion. Used only for place-of-accrual and borrowing rule. \nJustia Law"},"coordinator_verification_status":"unreopened_researcher_attribution_with_holds","coordinator_review":{"at":"2026-10-29T03:20:36.198953+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel backlog review","review":"[internal evidence reference]","primary_scope":[],"material_findings":[],"all_original_researcher_cells_preserved":true,"actual_application_not_accepted":true}},{"source_id":"S_KS-P12-S022","urls":["https://www.govinfo.gov/content/pkg/USREPORTS-486/pdf/USREPORTS-486-717.pdf"],"researcher_record":{"Source ID":"S_KS-P12-S022","Title, issuer, and full literal URL":"Sun Oil Co. v. Wortman, U.S. Supreme Court, official U.S. Reports PDF:\nhttps://www.govinfo.gov/content/pkg/USREPORTS-486/pdf/USREPORTS-486-717.pdf","Exact text or passage read":"Syllabus printed page 717/PDF index 0; opinion printed page 722/PDF index 5","Version, status, access, and limits":"Fresh official PDF read and screenshot inspection. 486 U.S. 717, decided June 15, 1988. Constitutional forum-limitations holding only. \nGovInfo\n+1"},"coordinator_verification_status":"unreopened_researcher_attribution_with_holds","coordinator_review":{"at":"2026-10-29T03:20:36.198953+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel backlog review","review":"[internal evidence reference]","primary_scope":[],"material_findings":[],"all_original_researcher_cells_preserved":true,"actual_application_not_accepted":true}},{"source_id":"S_KS-P12-S023","urls":["https://law.justia.com/cases/kansas/court-of-appeals/1998/77635.html"],"researcher_record":{"Source ID":"S_KS-P12-S023","Title, issuer, and full literal URL":"St. Joseph Development Corp. v. Sequenzia, Kansas Court of Appeals:\nhttps://law.justia.com/cases/kansas/court-of-appeals/1998/77635.html","Exact text or passage read":"Bankruptcy-stay tolling discussion","Version, status, access, and limits":"Fresh selected read. Published 1998 opinion involving judgment dormancy; used narrowly for §60-519/§108(c) interaction. \nJustia Law"},"coordinator_verification_status":"unreopened_researcher_attribution_with_holds","coordinator_review":{"at":"2026-10-29T03:20:36.198953+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel backlog review","review":"[internal evidence reference]","primary_scope":[],"material_findings":[],"all_original_researcher_cells_preserved":true,"actual_application_not_accepted":true}},{"source_id":"S_KS-P12-S024","urls":["https://law.justia.com/cases/kansas/court-of-appeals/2009/98907.html"],"researcher_record":{"Source ID":"S_KS-P12-S024","Title, issuer, and full literal URL":"Le v. Joslin, Kansas Court of Appeals:\nhttps://law.justia.com/cases/kansas/court-of-appeals/2009/98907.html","Exact text or passage read":"K.S.A. 60-203 filing, service, and actual-knowledge discussion","Version, status, access, and limits":"Fresh selected read. Published 2009 opinion. Full service-method analysis excluded. \nJustia Law"},"coordinator_verification_status":"unreopened_researcher_attribution_with_holds","coordinator_review":{"at":"2026-10-29T03:20:36.198953+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel backlog review","review":"[internal evidence reference]","primary_scope":[],"material_findings":[],"all_original_researcher_cells_preserved":true,"actual_application_not_accepted":true}},{"source_id":"S_KS-P12-S025","urls":["https://law.justia.com/cases/kansas/court-of-appeals/1984/55-617-7.html"],"researcher_record":{"Source ID":"S_KS-P12-S025","Title, issuer, and full literal URL":"O’Donnell v. Fletcher, Kansas Court of Appeals:\nhttps://law.justia.com/cases/kansas/court-of-appeals/1984/55-617-7.html","Exact text or passage read":"Affirmative defense, waiver, and sua-sponte issue","Version, status, access, and limits":"Fresh selected read. Published 1984 opinion. Procedural context limits universalization. \nJustia Law"},"coordinator_verification_status":"unreopened_researcher_attribution_with_holds","coordinator_review":{"at":"2026-10-29T03:20:36.198953+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel backlog review","review":"[internal evidence reference]","primary_scope":[],"material_findings":[],"all_original_researcher_cells_preserved":true,"actual_application_not_accepted":true}},{"source_id":"S_KS-P12-S026","urls":["https://law.justia.com/cases/kansas/supreme-court/1956/40-202-0.html","https://law.justia.com/cases/kansas/supreme-court/1979/50-267-1.html"],"researcher_record":{"Source ID":"S_KS-P12-S026","Title, issuer, and full literal URL":"Kansas limitations-effect cases:\nBomud Co. v. Yockey Oil Co.: https://law.justia.com/cases/kansas/supreme-court/1956/40-202-0.html\nIn re Estate of Wernet: https://law.justia.com/cases/kansas/supreme-court/1979/50-267-1.html","Exact text or passage read":"Remedy-bar versus debt-extinguishment discussions","Version, status, access, and limits":"Fresh selected read. Published Kansas Supreme Court opinions. “Repose” wording is not treated as a modern substantive statute-of-repose holding. \nJustia Law\n+1"},"coordinator_verification_status":"unreopened_researcher_attribution_with_holds","coordinator_review":{"at":"2026-10-29T03:20:36.198953+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel backlog review","review":"[internal evidence reference]","primary_scope":[],"material_findings":[],"all_original_researcher_cells_preserved":true,"actual_application_not_accepted":true}},{"source_id":"S_KS-P12-S027","urls":["https://kscourts.gov/Cases-Decisions/Decisions/Unpublished/CoreFirst-Bank-Trust-v-Tuckness-1","https://caselaw.findlaw.com/court/ks-court-of-appeals/1888122.html"],"researcher_record":{"Source ID":"S_KS-P12-S027","Title, issuer, and full literal URL":"CoreFirst Bank & Trust v. Tuckness, Kansas Court of Appeals:\nOfficial landing: https://kscourts.gov/Cases-Decisions/Decisions/Unpublished/CoreFirst-Bank-Trust-v-Tuckness-1\nReadable opinion: https://caselaw.findlaw.com/court/ks-court-of-appeals/1888122.html","Exact text or passage read":"Credit-card contract, three-year trial ruling, partial payment, and abandoned appellate issue","Version, status, access, and limits":"Fresh readable-opinion check. Unpublished Feb. 2, 2018; official landing returned 403. Apparent statutory citation typo preserved as source defect. Not controlling classification authority. \nFindLaw"},"coordinator_verification_status":"unreopened_researcher_attribution_with_holds","coordinator_review":{"at":"2026-10-29T03:20:36.198953+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel backlog review","review":"[internal evidence reference]","primary_scope":[],"material_findings":[],"all_original_researcher_cells_preserved":true,"actual_application_not_accepted":true}},{"source_id":"S_KS-P12-S028","urls":["https://law.justia.com/cases/kansas/court-of-appeals/2024/127685.html"],"researcher_record":{"Source ID":"S_KS-P12-S028","Title, issuer, and full literal URL":"First National Bank of Omaha v. Lucas, Kansas Court of Appeals:\nhttps://law.justia.com/cases/kansas/court-of-appeals/2024/127685.html","Exact text or passage read":"Credit-card proof through admissions, use, and statements","Version, status, access, and limits":"Fresh selected read. 2024 memorandum opinion, not designated for publication. No limitations classification holding. \nJustia Law"},"coordinator_verification_status":"unreopened_researcher_attribution_with_holds","coordinator_review":{"at":"2026-10-29T03:20:36.198953+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel backlog review","review":"[internal evidence reference]","primary_scope":[],"material_findings":[],"all_original_researcher_cells_preserved":true,"actual_application_not_accepted":true}},{"source_id":"S_KS-P12-S029","urls":["https://kscourts.gov/Cases-Decisions/Decisions/Unpublished/Portfolio-Recovery-Associates-v-Kimrey"],"researcher_record":{"Source ID":"S_KS-P12-S029","Title, issuer, and full literal URL":"Kansas Courts bounded credit-card search results:\nhttps://kscourts.gov/Cases-Decisions/Decisions/Unpublished/Portfolio-Recovery-Associates-v-Kimrey","Exact text or passage read":"Search result identified unpublished Kimrey and stated parties agreed on three-year unwritten-contract period","Version, status, access, and limits":"Discovery/access failure. Official page returned HTTP 403, so the complete opinion was not read and is not relied upon for a substantive holding. No full Kansas citator or trial-court docket search was performed. \nKansas Courts"},"coordinator_verification_status":"unreopened_researcher_attribution_with_holds","coordinator_review":{"at":"2026-10-29T03:20:36.198953+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel backlog review","review":"[internal evidence reference]","primary_scope":[],"material_findings":[],"all_original_researcher_cells_preserved":true,"actual_application_not_accepted":true}}],"coverage":[{"topic":"Five-year written-contract period","researcher_record":{"Assigned issue":"Five-year written-contract period","Status":"Answered","Claims":"C002, C004–C006","Exact missing evidence or next action":"Actual complete writings"},"coordinator_acceptance":"coverage_read_with_source_application_and_parent_holds","coordinator_review":{"at":"2026-10-29T03:20:36.198953+00:00","review":"[internal evidence reference]","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel backlog review","material_findings":[],"whole_state_or_parent_acceptance":false,"original_exclusions_and_missing_evidence_retained":true}},{"topic":"Three-year unwritten-contract period","researcher_record":{"Assigned issue":"Three-year unwritten-contract period","Status":"Answered","Claims":"C003, C005","Exact missing evidence or next action":"Actual oral/implied terms"},"coordinator_acceptance":"coverage_read_with_source_application_and_parent_holds","coordinator_review":{"at":"2026-10-29T03:20:36.198953+00:00","review":"[internal evidence reference]","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel backlog review","material_findings":[],"whole_state_or_parent_acceptance":false,"original_exclusions_and_missing_evidence_retained":true}},{"topic":"Written-document sufficiency","researcher_record":{"Assigned issue":"Written-document sufficiency","Status":"Answered at controlling-rule level","Claims":"C004–C006","Exact missing evidence or next action":"Account-specific documents"},"coordinator_acceptance":"coverage_read_with_source_application_and_parent_holds","coordinator_review":{"at":"2026-10-29T03:20:36.198953+00:00","review":"[internal evidence reference]","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel backlog review","material_findings":[],"whole_state_or_parent_acceptance":false,"original_exclusions_and_missing_evidence_retained":true}},{"topic":"Credit-card universal period","researcher_record":{"Assigned issue":"Credit-card universal period","Status":"Unresolved; no categorical published rule located","Claims":"C007–C008","Exact missing evidence or next action":"Complete contract and controlling published classification authority"},"coordinator_acceptance":"coverage_read_with_source_application_and_parent_holds","coordinator_review":{"at":"2026-10-29T03:20:36.198953+00:00","review":"[internal evidence reference]","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel backlog review","material_findings":[],"whole_state_or_parent_acceptance":false,"original_exclusions_and_missing_evidence_retained":true}},{"topic":"Credit-card three-year branch","researcher_record":{"Assigned issue":"Credit-card three-year branch","Status":"Supported conditionally","Claims":"C003, C007–C008","Exact missing evidence or next action":"Proof claim depends on unwritten/implied promise"},"coordinator_acceptance":"coverage_read_with_source_application_and_parent_holds","coordinator_review":{"at":"2026-10-29T03:20:36.198953+00:00","review":"[internal evidence reference]","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel backlog review","material_findings":[],"whole_state_or_parent_acceptance":false,"original_exclusions_and_missing_evidence_retained":true}},{"topic":"Credit-card five-year branch","researcher_record":{"Assigned issue":"Credit-card five-year branch","Status":"Supported conditionally","Claims":"C002, C004","Exact missing evidence or next action":"Complete material written promise"},"coordinator_acceptance":"coverage_read_with_source_application_and_parent_holds","coordinator_review":{"at":"2026-10-29T03:20:36.198953+00:00","review":"[internal evidence reference]","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel backlog review","material_findings":[],"whole_state_or_parent_acceptance":false,"original_exclusions_and_missing_evidence_retained":true}},{"topic":"Revolving-account accrual","researcher_record":{"Assigned issue":"Revolving-account accrual","Status":"Partial","Claims":"C007, C016–C027","Exact missing evidence or next action":"Agreement, due dates, cure, acceleration, closure, payments"},"coordinator_acceptance":"coverage_read_with_source_application_and_parent_holds","coordinator_review":{"at":"2026-10-29T03:20:36.198953+00:00","review":"[internal evidence reference]","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel backlog review","material_findings":[],"whole_state_or_parent_acceptance":false,"original_exclusions_and_missing_evidence_retained":true}},{"topic":"Ordinary open account","researcher_record":{"Assigned issue":"Ordinary open account","Status":"Partial","Claims":"C009","Exact missing evidence or next action":"Actual reciprocity and account structure"},"coordinator_acceptance":"coverage_read_with_source_application_and_parent_holds","coordinator_review":{"at":"2026-10-29T03:20:36.198953+00:00","review":"[internal evidence reference]","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel backlog review","material_findings":[],"whole_state_or_parent_acceptance":false,"original_exclusions_and_missing_evidence_retained":true}},{"topic":"Mutual open running account","researcher_record":{"Assigned issue":"Mutual open running account","Status":"Answered doctrinally","Claims":"C009","Exact missing evidence or next action":"Consumer-credit application requires facts"},"coordinator_acceptance":"coverage_read_with_source_application_and_parent_holds","coordinator_review":{"at":"2026-10-29T03:20:36.198953+00:00","review":"[internal evidence reference]","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel backlog review","material_findings":[],"whole_state_or_parent_acceptance":false,"original_exclusions_and_missing_evidence_retained":true}},{"topic":"Account stated","researcher_record":{"Assigned issue":"Account stated","Status":"Answered doctrinally","Claims":"C010–C011","Exact missing evidence or next action":"Assent, objection, balance, and form"},"coordinator_acceptance":"coverage_read_with_source_application_and_parent_holds","coordinator_review":{"at":"2026-10-29T03:20:36.198953+00:00","review":"[internal evidence reference]","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel backlog review","material_findings":[],"whole_state_or_parent_acceptance":false,"original_exclusions_and_missing_evidence_retained":true}},{"topic":"Negotiable-instrument classification","researcher_record":{"Assigned issue":"Negotiable-instrument classification","Status":"Answered","Claims":"C012–C015","Exact missing evidence or next action":"Actual note"},"coordinator_acceptance":"coverage_read_with_source_application_and_parent_holds","coordinator_review":{"at":"2026-10-29T03:20:36.198953+00:00","review":"[internal evidence reference]","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel backlog review","material_findings":[],"whole_state_or_parent_acceptance":false,"original_exclusions_and_missing_evidence_retained":true}},{"topic":"Definite-time note period","researcher_record":{"Assigned issue":"Definite-time note period","Status":"Answered","Claims":"C012","Exact missing evidence or next action":"Due and acceleration dates"},"coordinator_acceptance":"coverage_read_with_source_application_and_parent_holds","coordinator_review":{"at":"2026-10-29T03:20:36.198953+00:00","review":"[internal evidence reference]","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel backlog review","material_findings":[],"whole_state_or_parent_acceptance":false,"original_exclusions_and_missing_evidence_retained":true}},{"topic":"Demand-note period","researcher_record":{"Assigned issue":"Demand-note period","Status":"Answered","Claims":"C013–C014","Exact missing evidence or next action":"Demand and last-payment facts"},"coordinator_acceptance":"coverage_read_with_source_application_and_parent_holds","coordinator_review":{"at":"2026-10-29T03:20:36.198953+00:00","review":"[internal evidence reference]","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel backlog review","material_findings":[],"whole_state_or_parent_acceptance":false,"original_exclusions_and_missing_evidence_retained":true}},{"topic":"General accrual standard","researcher_record":{"Assigned issue":"General accrual standard","Status":"Answered","Claims":"C016–C017","Exact missing evidence or next action":"Actual breach"},"coordinator_acceptance":"coverage_read_with_source_application_and_parent_holds","coordinator_review":{"at":"2026-10-29T03:20:36.198953+00:00","review":"[internal evidence reference]","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel backlog review","material_findings":[],"whole_state_or_parent_acceptance":false,"original_exclusions_and_missing_evidence_retained":true}},{"topic":"Installment-by-installment accrual","researcher_record":{"Assigned issue":"Installment-by-installment accrual","Status":"Answered generally","Claims":"C018–C019","Exact missing evidence or next action":"Contract and sector rules"},"coordinator_acceptance":"coverage_read_with_source_application_and_parent_holds","coordinator_review":{"at":"2026-10-29T03:20:36.198953+00:00","review":"[internal evidence reference]","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel backlog review","material_findings":[],"whole_state_or_parent_acceptance":false,"original_exclusions_and_missing_evidence_retained":true}},{"topic":"Full-balance maturity","researcher_record":{"Assigned issue":"Full-balance maturity","Status":"Answered generally","Claims":"C019–C023","Exact missing evidence or next action":"Maturity, acceleration, cure"},"coordinator_acceptance":"coverage_read_with_source_application_and_parent_holds","coordinator_review":{"at":"2026-10-29T03:20:36.198953+00:00","review":"[internal evidence reference]","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel backlog review","material_findings":[],"whole_state_or_parent_acceptance":false,"original_exclusions_and_missing_evidence_retained":true}},{"topic":"Automatic acceleration","researcher_record":{"Assigned issue":"Automatic acceleration","Status":"Answered doctrinally","Claims":"C020","Exact missing evidence or next action":"Exact clause and default"},"coordinator_acceptance":"coverage_read_with_source_application_and_parent_holds","coordinator_review":{"at":"2026-10-29T03:20:36.198953+00:00","review":"[internal evidence reference]","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel backlog review","material_findings":[],"whole_state_or_parent_acceptance":false,"original_exclusions_and_missing_evidence_retained":true}},{"topic":"Optional acceleration","researcher_record":{"Assigned issue":"Optional acceleration","Status":"Answered doctrinally","Claims":"C021–C022","Exact missing evidence or next action":"Notice, election, affirmative act"},"coordinator_acceptance":"coverage_read_with_source_application_and_parent_holds","coordinator_review":{"at":"2026-10-29T03:20:36.198953+00:00","review":"[internal evidence reference]","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel backlog review","material_findings":[],"whole_state_or_parent_acceptance":false,"original_exclusions_and_missing_evidence_retained":true}},{"topic":"UCCC cure effect","researcher_record":{"Assigned issue":"UCCC cure effect","Status":"Answered","Claims":"C023","Exact missing evidence or next action":"Coverage and prior cure history"},"coordinator_acceptance":"coverage_read_with_source_application_and_parent_holds","coordinator_review":{"at":"2026-10-29T03:20:36.198953+00:00","review":"[internal evidence reference]","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel backlog review","material_findings":[],"whole_state_or_parent_acceptance":false,"original_exclusions_and_missing_evidence_retained":true}},{"topic":"Waiver by late payments","researcher_record":{"Assigned issue":"Waiver by late payments","Status":"Answered generally","Claims":"C024","Exact missing evidence or next action":"Course of performance and notice"},"coordinator_acceptance":"coverage_read_with_source_application_and_parent_holds","coordinator_review":{"at":"2026-10-29T03:20:36.198953+00:00","review":"[internal evidence reference]","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel backlog review","material_findings":[],"whole_state_or_parent_acceptance":false,"original_exclusions_and_missing_evidence_retained":true}},{"topic":"Deacceleration","researcher_record":{"Assigned issue":"Deacceleration","Status":"Unresolved for ordinary unsecured debt","Claims":"C025","Exact missing evidence or next action":"Controlling case or contract-specific authority"},"coordinator_acceptance":"coverage_read_with_source_application_and_parent_holds","coordinator_review":{"at":"2026-10-29T03:20:36.198953+00:00","review":"[internal evidence reference]","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel backlog review","material_findings":[],"whole_state_or_parent_acceptance":false,"original_exclusions_and_missing_evidence_retained":true}},{"topic":"Charge-off as accrual","researcher_record":{"Assigned issue":"Charge-off as accrual","Status":"Rejected as automatic event","Claims":"C026","Exact missing evidence or next action":"Contractual accrual still required"},"coordinator_acceptance":"coverage_read_with_source_application_and_parent_holds","coordinator_review":{"at":"2026-10-29T03:20:36.198953+00:00","review":"[internal evidence reference]","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel backlog review","material_findings":[],"whole_state_or_parent_acceptance":false,"original_exclusions_and_missing_evidence_retained":true}},{"topic":"Assignment/sale reset","researcher_record":{"Assigned issue":"Assignment/sale reset","Status":"Rejected absent new agreement/revival","Claims":"C026–C027","Exact missing evidence or next action":"Novation or new promise if asserted"},"coordinator_acceptance":"coverage_read_with_source_application_and_parent_holds","coordinator_review":{"at":"2026-10-29T03:20:36.198953+00:00","review":"[internal evidence reference]","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel backlog review","material_findings":[],"whole_state_or_parent_acceptance":false,"original_exclusions_and_missing_evidence_retained":true}},{"topic":"Cancellation of charging privileges","researcher_record":{"Assigned issue":"Cancellation of charging privileges","Status":"Partial","Claims":"C016–C027","Exact missing evidence or next action":"Contract’s maturity/default terms"},"coordinator_acceptance":"coverage_read_with_source_application_and_parent_holds","coordinator_review":{"at":"2026-10-29T03:20:36.198953+00:00","review":"[internal evidence reference]","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel backlog review","material_findings":[],"whole_state_or_parent_acceptance":false,"original_exclusions_and_missing_evidence_retained":true}},{"topic":"Last payment as accrual","researcher_record":{"Assigned issue":"Last payment as accrual","Status":"Not universal","Claims":"C016, C028–C034","Exact missing evidence or next action":"Whether payment revives"},"coordinator_acceptance":"coverage_read_with_source_application_and_parent_holds","coordinator_review":{"at":"2026-10-29T03:20:36.198953+00:00","review":"[internal evidence reference]","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel backlog review","material_findings":[],"whole_state_or_parent_acceptance":false,"original_exclusions_and_missing_evidence_retained":true}},{"topic":"Part-payment revival","researcher_record":{"Assigned issue":"Part-payment revival","Status":"Answered","Claims":"C028–C034","Exact missing evidence or next action":"Authorization, intent, allocation, qualification"},"coordinator_acceptance":"coverage_read_with_source_application_and_parent_holds","coordinator_review":{"at":"2026-10-29T03:20:36.198953+00:00","review":"[internal evidence reference]","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel backlog review","material_findings":[],"whole_state_or_parent_acceptance":false,"original_exclusions_and_missing_evidence_retained":true}},{"topic":"Revival after original bar","researcher_record":{"Assigned issue":"Revival after original bar","Status":"Answered","Claims":"C030–C031","Exact missing evidence or next action":"Valid qualifying event"},"coordinator_acceptance":"coverage_read_with_source_application_and_parent_holds","coordinator_review":{"at":"2026-10-29T03:20:36.198953+00:00","review":"[internal evidence reference]","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel backlog review","material_findings":[],"whole_state_or_parent_acceptance":false,"original_exclusions_and_missing_evidence_retained":true}},{"topic":"Qualified payment","researcher_record":{"Assigned issue":"Qualified payment","Status":"Answered through controlling case","Claims":"C031","Exact missing evidence or next action":"Actual accompanying statement"},"coordinator_acceptance":"coverage_read_with_source_application_and_parent_holds","coordinator_review":{"at":"2026-10-29T03:20:36.198953+00:00","review":"[internal evidence reference]","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel backlog review","material_findings":[],"whole_state_or_parent_acceptance":false,"original_exclusions_and_missing_evidence_retained":true}},{"topic":"Interest versus principal revival","researcher_record":{"Assigned issue":"Interest versus principal revival","Status":"Answered conditionally","Claims":"C031","Exact missing evidence or next action":"Qualification evidence"},"coordinator_acceptance":"coverage_read_with_source_application_and_parent_holds","coordinator_review":{"at":"2026-10-29T03:20:36.198953+00:00","review":"[internal evidence reference]","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel backlog review","material_findings":[],"whole_state_or_parent_acceptance":false,"original_exclusions_and_missing_evidence_retained":true}},{"topic":"Written acknowledgment","researcher_record":{"Assigned issue":"Written acknowledgment","Status":"Answered","Claims":"C028–C029","Exact missing evidence or next action":"Signed writing and present liability"},"coordinator_acceptance":"coverage_read_with_source_application_and_parent_holds","coordinator_review":{"at":"2026-10-29T03:20:36.198953+00:00","review":"[internal evidence reference]","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel backlog review","material_findings":[],"whole_state_or_parent_acceptance":false,"original_exclusions_and_missing_evidence_retained":true}},{"topic":"Electronic acknowledgment","researcher_record":{"Assigned issue":"Electronic acknowledgment","Status":"Answered conditionally","Claims":"C035","Exact missing evidence or next action":"E-signature, attribution, e-transaction consent"},"coordinator_acceptance":"coverage_read_with_source_application_and_parent_holds","coordinator_review":{"at":"2026-10-29T03:20:36.198953+00:00","review":"[internal evidence reference]","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel backlog review","material_findings":[],"whole_state_or_parent_acceptance":false,"original_exclusions_and_missing_evidence_retained":true}},{"topic":"Joint-debtor payment","researcher_record":{"Assigned issue":"Joint-debtor payment","Status":"Answered","Claims":"C033","Exact missing evidence or next action":"Authority, knowledge, consent, ratification"},"coordinator_acceptance":"coverage_read_with_source_application_and_parent_holds","coordinator_review":{"at":"2026-10-29T03:20:36.198953+00:00","review":"[internal evidence reference]","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel backlog review","material_findings":[],"whole_state_or_parent_acceptance":false,"original_exclusions_and_missing_evidence_retained":true}},{"topic":"Creditor ledger entry","researcher_record":{"Assigned issue":"Creditor ledger entry","Status":"Answered—insufficient alone","Claims":"C034","Exact missing evidence or next action":"Proof of actual debtor-authorized payment"},"coordinator_acceptance":"coverage_read_with_source_application_and_parent_holds","coordinator_review":{"at":"2026-10-29T03:20:36.198953+00:00","review":"[internal evidence reference]","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel backlog review","material_findings":[],"whole_state_or_parent_acceptance":false,"original_exclusions_and_missing_evidence_retained":true}},{"topic":"Settlement negotiation","researcher_record":{"Assigned issue":"Settlement negotiation","Status":"Answered as nonautomatic revival","Claims":"C036","Exact missing evidence or next action":"Actual writing/payment language"},"coordinator_acceptance":"coverage_read_with_source_application_and_parent_holds","coordinator_review":{"at":"2026-10-29T03:20:36.198953+00:00","review":"[internal evidence reference]","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel backlog review","material_findings":[],"whole_state_or_parent_acceptance":false,"original_exclusions_and_missing_evidence_retained":true}},{"topic":"Current Article 3 revival interaction","researcher_record":{"Assigned issue":"Current Article 3 revival interaction","Status":"Partial/unresolved","Claims":"C012–C015, C028","Exact missing evidence or next action":"Controlling reconciliation of §§60-520 and 84-3-118"},"coordinator_acceptance":"coverage_read_with_source_application_and_parent_holds","coordinator_review":{"at":"2026-10-29T03:20:36.198953+00:00","review":"[internal evidence reference]","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel backlog review","material_findings":[],"whole_state_or_parent_acceptance":false,"original_exclusions_and_missing_evidence_retained":true}},{"topic":"Kansas forum procedural rule","researcher_record":{"Assigned issue":"Kansas forum procedural rule","Status":"Answered","Claims":"C037","Exact missing evidence or next action":"Claim-specific borrowing/contract exceptions"},"coordinator_acceptance":"coverage_read_with_source_application_and_parent_holds","coordinator_review":{"at":"2026-10-29T03:20:36.198953+00:00","review":"[internal evidence reference]","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel backlog review","material_findings":[],"whole_state_or_parent_acceptance":false,"original_exclusions_and_missing_evidence_retained":true}},{"topic":"Generic choice-of-law clause","researcher_record":{"Assigned issue":"Generic choice-of-law clause","Status":"Answered","Claims":"C038","Exact missing evidence or next action":"Actual clause"},"coordinator_acceptance":"coverage_read_with_source_application_and_parent_holds","coordinator_review":{"at":"2026-10-29T03:20:36.198953+00:00","review":"[internal evidence reference]","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel backlog review","material_findings":[],"whole_state_or_parent_acceptance":false,"original_exclusions_and_missing_evidence_retained":true}},{"topic":"Express foreign-limitations clause","researcher_record":{"Assigned issue":"Express foreign-limitations clause","Status":"Partial","Claims":"C038–C039","Exact missing evidence or next action":"UCCC coverage and public-policy enforceability"},"coordinator_acceptance":"coverage_read_with_source_application_and_parent_holds","coordinator_review":{"at":"2026-10-29T03:20:36.198953+00:00","review":"[internal evidence reference]","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel backlog review","material_findings":[],"whole_state_or_parent_acceptance":false,"original_exclusions_and_missing_evidence_retained":true}},{"topic":"UCCC foreign-law clause","researcher_record":{"Assigned issue":"UCCC foreign-law clause","Status":"Answered","Claims":"C039","Exact missing evidence or next action":"Subsection (3) exception and transaction coverage"},"coordinator_acceptance":"coverage_read_with_source_application_and_parent_holds","coordinator_review":{"at":"2026-10-29T03:20:36.198953+00:00","review":"[internal evidence reference]","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel backlog review","material_findings":[],"whole_state_or_parent_acceptance":false,"original_exclusions_and_missing_evidence_retained":true}},{"topic":"Borrowing statute","researcher_record":{"Assigned issue":"Borrowing statute","Status":"Answered","Claims":"C040–C042","Exact missing evidence or next action":"Place of accrual, foreign law, creditor residence"},"coordinator_acceptance":"coverage_read_with_source_application_and_parent_holds","coordinator_review":{"at":"2026-10-29T03:20:36.198953+00:00","review":"[internal evidence reference]","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel backlog review","material_findings":[],"whole_state_or_parent_acceptance":false,"original_exclusions_and_missing_evidence_retained":true}},{"topic":"Foreign-law tolling","researcher_record":{"Assigned issue":"Foreign-law tolling","Status":"Not generally imported here","Claims":"C040–C042","Exact missing evidence or next action":"If needed, read foreign law and Kansas borrowing treatment"},"coordinator_acceptance":"coverage_read_with_source_application_and_parent_holds","coordinator_review":{"at":"2026-10-29T03:20:36.198953+00:00","review":"[internal evidence reference]","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel backlog review","material_findings":[],"whole_state_or_parent_acceptance":false,"original_exclusions_and_missing_evidence_retained":true}},{"topic":"Absence/concealment tolling","researcher_record":{"Assigned issue":"Absence/concealment tolling","Status":"Answered","Claims":"C043","Exact missing evidence or next action":"Whereabouts and service availability"},"coordinator_acceptance":"coverage_read_with_source_application_and_parent_holds","coordinator_review":{"at":"2026-10-29T03:20:36.198953+00:00","review":"[internal evidence reference]","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel backlog review","material_findings":[],"whole_state_or_parent_acceptance":false,"original_exclusions_and_missing_evidence_retained":true}},{"topic":"Legal disability","researcher_record":{"Assigned issue":"Legal disability","Status":"Answered","Claims":"C044","Exact missing evidence or next action":"Claimant identity and disability dates"},"coordinator_acceptance":"bounded_correction_pending_UNSENT","coordinator_review":{"at":"2026-10-29T03:20:36.198953+00:00","review":"[internal evidence reference]","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel backlog review","material_findings":["S_KS-P12-Q002"],"whole_state_or_parent_acceptance":false,"original_exclusions_and_missing_evidence_retained":true}},{"topic":"Savings statute","researcher_record":{"Assigned issue":"Savings statute","Status":"Answered at threshold","Claims":"C045","Exact missing evidence or next action":"First-case record and disposition"},"coordinator_acceptance":"coverage_read_with_source_application_and_parent_holds","coordinator_review":{"at":"2026-10-29T03:20:36.198953+00:00","review":"[internal evidence reference]","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel backlog review","material_findings":[],"whole_state_or_parent_acceptance":false,"original_exclusions_and_missing_evidence_retained":true}},{"topic":"Injunction tolling","researcher_record":{"Assigned issue":"Injunction tolling","Status":"Answered","Claims":"C046","Exact missing evidence or next action":"Exact injunction dates and scope"},"coordinator_acceptance":"coverage_read_with_source_application_and_parent_holds","coordinator_review":{"at":"2026-10-29T03:20:36.198953+00:00","review":"[internal evidence reference]","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel backlog review","material_findings":[],"whole_state_or_parent_acceptance":false,"original_exclusions_and_missing_evidence_retained":true}},{"topic":"Bankruptcy extension","researcher_record":{"Assigned issue":"Bankruptcy extension","Status":"Answered narrowly","Claims":"C047–C048","Exact missing evidence or next action":"Petition, stay, notice, discharge, state suspension"},"coordinator_acceptance":"coverage_read_with_source_application_and_parent_holds","coordinator_review":{"at":"2026-10-29T03:20:36.198953+00:00","review":"[internal evidence reference]","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel backlog review","material_findings":[],"whole_state_or_parent_acceptance":false,"original_exclusions_and_missing_evidence_retained":true}},{"topic":"General equitable tolling","researcher_record":{"Assigned issue":"General equitable tolling","Status":"Not established","Claims":"C059","Exact missing evidence or next action":"Claim-specific equitable authority"},"coordinator_acceptance":"coverage_read_with_source_application_and_parent_holds","coordinator_review":{"at":"2026-10-29T03:20:36.198953+00:00","review":"[internal evidence reference]","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel backlog review","material_findings":[],"whole_state_or_parent_acceptance":false,"original_exclusions_and_missing_evidence_retained":true}},{"topic":"Filing before expiration","researcher_record":{"Assigned issue":"Filing before expiration","Status":"Answered but insufficient alone","Claims":"C049–C050","Exact missing evidence or next action":"Service facts"},"coordinator_acceptance":"bounded_correction_pending_UNSENT","coordinator_review":{"at":"2026-10-29T03:20:36.198953+00:00","review":"[internal evidence reference]","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel backlog review","material_findings":["S_KS-P12-Q001"],"whole_state_or_parent_acceptance":false,"original_exclusions_and_missing_evidence_retained":true}},{"topic":"Ninety-day service relation","researcher_record":{"Assigned issue":"Ninety-day service relation","Status":"Answered","Claims":"C049","Exact missing evidence or next action":"Filing and valid-service dates"},"coordinator_acceptance":"bounded_correction_pending_UNSENT","coordinator_review":{"at":"2026-10-29T03:20:36.198953+00:00","review":"[internal evidence reference]","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel backlog review","material_findings":["S_KS-P12-Q001"],"whole_state_or_parent_acceptance":false,"original_exclusions_and_missing_evidence_retained":true}},{"topic":"Thirty-day good-cause extension","researcher_record":{"Assigned issue":"Thirty-day good-cause extension","Status":"Answered as statutory possibility","Claims":"C049","Exact missing evidence or next action":"Actual court order and good cause"},"coordinator_acceptance":"coverage_read_with_source_application_and_parent_holds","coordinator_review":{"at":"2026-10-29T03:20:36.198953+00:00","review":"[internal evidence reference]","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel backlog review","material_findings":[],"whole_state_or_parent_acceptance":false,"original_exclusions_and_missing_evidence_retained":true}},{"topic":"Invalid-service cure","researcher_record":{"Assigned issue":"Invalid-service cure","Status":"Answered as statutory possibility","Claims":"C049","Exact missing evidence or next action":"Adjudication date and new service"},"coordinator_acceptance":"bounded_correction_pending_UNSENT","coordinator_review":{"at":"2026-10-29T03:20:36.198953+00:00","review":"[internal evidence reference]","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel backlog review","material_findings":["S_KS-P12-Q001"],"whole_state_or_parent_acceptance":false,"original_exclusions_and_missing_evidence_retained":true}},{"topic":"Weekend/holiday computation","researcher_record":{"Assigned issue":"Weekend/holiday computation","Status":"Answered generally","Claims":"C051","Exact missing evidence or next action":"Actual dates and legal holidays"},"coordinator_acceptance":"coverage_read_with_source_application_and_parent_holds","coordinator_review":{"at":"2026-10-29T03:20:36.198953+00:00","review":"[internal evidence reference]","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel backlog review","material_findings":[],"whole_state_or_parent_acceptance":false,"original_exclusions_and_missing_evidence_retained":true}},{"topic":"Limitations defense","researcher_record":{"Assigned issue":"Limitations defense","Status":"Answered as affirmative/waivable","Claims":"C052","Exact missing evidence or next action":"Pleadings and amendment history"},"coordinator_acceptance":"coverage_read_with_source_application_and_parent_holds","coordinator_review":{"at":"2026-10-29T03:20:36.198953+00:00","review":"[internal evidence reference]","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel backlog review","material_findings":[],"whole_state_or_parent_acceptance":false,"original_exclusions_and_missing_evidence_retained":true}},{"topic":"Court sua-sponte limitations","researcher_record":{"Assigned issue":"Court sua-sponte limitations","Status":"Partial/context-dependent","Claims":"C052","Exact missing evidence or next action":"Procedural posture and governing special rules"},"coordinator_acceptance":"coverage_read_with_source_application_and_parent_holds","coordinator_review":{"at":"2026-10-29T03:20:36.198953+00:00","review":"[internal evidence reference]","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel backlog review","material_findings":[],"whole_state_or_parent_acceptance":false,"original_exclusions_and_missing_evidence_retained":true}},{"topic":"Debt extinguishment","researcher_record":{"Assigned issue":"Debt extinguishment","Status":"Answered—ordinary period bars remedy","Claims":"C053","Exact missing evidence or next action":"Discharge, settlement, forgiveness separately"},"coordinator_acceptance":"coverage_read_with_source_application_and_parent_holds","coordinator_review":{"at":"2026-10-29T03:20:36.198953+00:00","review":"[internal evidence reference]","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel backlog review","material_findings":[],"whole_state_or_parent_acceptance":false,"original_exclusions_and_missing_evidence_retained":true}},{"topic":"FDCPA suit/threat on time-barred debt","researcher_record":{"Assigned issue":"FDCPA suit/threat on time-barred debt","Status":"Answered conditionally","Claims":"C054","Exact missing evidence or next action":"Actor and debt definitions, correct Kansas clock"},"coordinator_acceptance":"coverage_read_with_source_application_and_parent_holds","coordinator_review":{"at":"2026-10-29T03:20:36.198953+00:00","review":"[internal evidence reference]","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel backlog review","material_findings":[],"whole_state_or_parent_acceptance":false,"original_exclusions_and_missing_evidence_retained":true}},{"topic":"Voluntary request on time-barred debt","researcher_record":{"Assigned issue":"Voluntary request on time-barred debt","Status":"Answered narrowly","Claims":"C055","Exact missing evidence or next action":"Actual communication and other laws"},"coordinator_acceptance":"bounded_correction_pending_UNSENT","coordinator_review":{"at":"2026-10-29T03:20:36.198953+00:00","review":"[internal evidence reference]","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel backlog review","material_findings":["S_KS-P12-Q003"],"whole_state_or_parent_acceptance":false,"original_exclusions_and_missing_evidence_retained":true}},{"topic":"Kansas time-barred disclosure","researcher_record":{"Assigned issue":"Kansas time-barred disclosure","Status":"Not verified","Claims":"C056","Exact missing evidence or next action":"Later enactments, sector and enforcement materials"},"coordinator_acceptance":"coverage_read_with_source_application_and_parent_holds","coordinator_review":{"at":"2026-10-29T03:20:36.198953+00:00","review":"[internal evidence reference]","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel backlog review","material_findings":[],"whole_state_or_parent_acceptance":false,"original_exclusions_and_missing_evidence_retained":true}},{"topic":"Credit-reporting clock","researcher_record":{"Assigned issue":"Credit-reporting clock","Status":"Excluded; separate from suit period","Claims":"C057","Exact missing evidence or next action":"PASS-11 remains unreviewed"},"coordinator_acceptance":"coverage_read_with_source_application_and_parent_holds","coordinator_review":{"at":"2026-10-29T03:20:36.198953+00:00","review":"[internal evidence reference]","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel backlog review","material_findings":[],"whole_state_or_parent_acceptance":false,"original_exclusions_and_missing_evidence_retained":true}},{"topic":"Sale-of-goods claims","researcher_record":{"Assigned issue":"Sale-of-goods claims","Status":"Excluded","Claims":"—","Exact missing evidence or next action":"K.S.A. 84-2-725 and transaction classification"},"coordinator_acceptance":"coverage_read_with_source_application_and_parent_holds","coordinator_review":{"at":"2026-10-29T03:20:36.198953+00:00","review":"[internal evidence reference]","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel backlog review","material_findings":[],"whole_state_or_parent_acceptance":false,"original_exclusions_and_missing_evidence_retained":true}},{"topic":"Mortgages and foreclosure","researcher_record":{"Assigned issue":"Mortgages and foreclosure","Status":"Excluded except acceleration gateway","Claims":"—","Exact missing evidence or next action":"Separate sector pass"},"coordinator_acceptance":"coverage_read_with_source_application_and_parent_holds","coordinator_review":{"at":"2026-10-29T03:20:36.198953+00:00","review":"[internal evidence reference]","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel backlog review","material_findings":[],"whole_state_or_parent_acceptance":false,"original_exclusions_and_missing_evidence_retained":true}},{"topic":"Secured vehicle/repo/deficiency","researcher_record":{"Assigned issue":"Secured vehicle/repo/deficiency","Status":"Excluded","Claims":"—","Exact missing evidence or next action":"Separate UCCC/UCC sector pass"},"coordinator_acceptance":"coverage_read_with_source_application_and_parent_holds","coordinator_review":{"at":"2026-10-29T03:20:36.198953+00:00","review":"[internal evidence reference]","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel backlog review","material_findings":[],"whole_state_or_parent_acceptance":false,"original_exclusions_and_missing_evidence_retained":true}},{"topic":"Medical-specific debt","researcher_record":{"Assigned issue":"Medical-specific debt","Status":"Excluded","Claims":"—","Exact missing evidence or next action":"Separate medical billing/contract pass"},"coordinator_acceptance":"coverage_read_with_source_application_and_parent_holds","coordinator_review":{"at":"2026-10-29T03:20:36.198953+00:00","review":"[internal evidence reference]","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel backlog review","material_findings":[],"whole_state_or_parent_acceptance":false,"original_exclusions_and_missing_evidence_retained":true}},{"topic":"Utilities, rent, education, support, tax","researcher_record":{"Assigned issue":"Utilities, rent, education, support, tax","Status":"Excluded","Claims":"—","Exact missing evidence or next action":"Sector-specific passes"},"coordinator_acceptance":"coverage_read_with_source_application_and_parent_holds","coordinator_review":{"at":"2026-10-29T03:20:36.198953+00:00","review":"[internal evidence reference]","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel backlog review","material_findings":[],"whole_state_or_parent_acceptance":false,"original_exclusions_and_missing_evidence_retained":true}},{"topic":"Probate claims","researcher_record":{"Assigned issue":"Probate claims","Status":"Excluded","Claims":"—","Exact missing evidence or next action":"Probate nonclaim statutes"},"coordinator_acceptance":"coverage_read_with_source_application_and_parent_holds","coordinator_review":{"at":"2026-10-29T03:20:36.198953+00:00","review":"[internal evidence reference]","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel backlog review","material_findings":[],"whole_state_or_parent_acceptance":false,"original_exclusions_and_missing_evidence_retained":true}},{"topic":"Bankruptcy procedure","researcher_record":{"Assigned issue":"Bankruptcy procedure","Status":"Excluded except §108(c) gateway","Claims":"C047–C048","Exact missing evidence or next action":"Separate bankruptcy pass"},"coordinator_acceptance":"coverage_read_with_source_application_and_parent_holds","coordinator_review":{"at":"2026-10-29T03:20:36.198953+00:00","review":"[internal evidence reference]","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel backlog review","material_findings":[],"whole_state_or_parent_acceptance":false,"original_exclusions_and_missing_evidence_retained":true}},{"topic":"Judgments, liens, renewal, garnishment","researcher_record":{"Assigned issue":"Judgments, liens, renewal, garnishment","Status":"Excluded","Claims":"—","Exact missing evidence or next action":"Separate post-judgment pass"},"coordinator_acceptance":"coverage_read_with_source_application_and_parent_holds","coordinator_review":{"at":"2026-10-29T03:20:36.198953+00:00","review":"[internal evidence reference]","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel backlog review","material_findings":[],"whole_state_or_parent_acceptance":false,"original_exclusions_and_missing_evidence_retained":true}},{"topic":"Fraud and tort remedies","researcher_record":{"Assigned issue":"Fraud and tort remedies","Status":"Excluded","Claims":"—","Exact missing evidence or next action":"Separate claim-specific limitations"},"coordinator_acceptance":"coverage_read_with_source_application_and_parent_holds","coordinator_review":{"at":"2026-10-29T03:20:36.198953+00:00","review":"[internal evidence reference]","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel backlog review","material_findings":[],"whole_state_or_parent_acceptance":false,"original_exclusions_and_missing_evidence_retained":true}},{"topic":"Local and tribal law","researcher_record":{"Assigned issue":"Local and tribal law","Status":"Excluded","Claims":"—","Exact missing evidence or next action":"Separate jurisdictional review"},"coordinator_acceptance":"coverage_read_with_source_application_and_parent_holds","coordinator_review":{"at":"2026-10-29T03:20:36.198953+00:00","review":"[internal evidence reference]","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel backlog review","material_findings":[],"whole_state_or_parent_acceptance":false,"original_exclusions_and_missing_evidence_retained":true}},{"topic":"Full litigation procedure","researcher_record":{"Assigned issue":"Full litigation procedure","Status":"Excluded beyond commencement","Claims":"C049–C052","Exact missing evidence or next action":"Service, venue, answer, default, evidence"},"coordinator_acceptance":"bounded_correction_pending_UNSENT","coordinator_review":{"at":"2026-10-29T03:20:36.198953+00:00","review":"[internal evidence reference]","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel backlog review","material_findings":["S_KS-P12-Q001"],"whole_state_or_parent_acceptance":false,"original_exclusions_and_missing_evidence_retained":true}},{"topic":"Actual provider/account deadline","researcher_record":{"Assigned issue":"Actual provider/account deadline","Status":"Not evaluated","Claims":"C060","Exact missing evidence or next action":"Complete account and court record required"},"coordinator_acceptance":"coverage_read_with_source_application_and_parent_holds","coordinator_review":{"at":"2026-10-29T03:20:36.198953+00:00","review":"[internal evidence reference]","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel backlog review","material_findings":[],"whole_state_or_parent_acceptance":false,"original_exclusions_and_missing_evidence_retained":true}},{"topic":"Component/state/parent/A066 acceptance","researcher_record":{"Assigned issue":"Component/state/parent/A066 acceptance","Status":"Not evaluated","Claims":"—","Exact missing evidence or next action":"No acceptance follows from PASS-12"},"coordinator_acceptance":"coverage_read_with_source_application_and_parent_holds","coordinator_review":{"at":"2026-10-29T03:20:36.198953+00:00","review":"[internal evidence reference]","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel backlog review","material_findings":[],"whole_state_or_parent_acceptance":false,"original_exclusions_and_missing_evidence_retained":true}}],"annotations":{},"corrections":[{"issue_id":"S_KS-P12-Q001","finding":"Commencement gateway omits first-publication precision and the invalid-service cure clock E1/C049 use generic publication and describe a separate cure period without its length or precise defect predicate. The answered-as-possibility coverage does not supply the essential time or commencement alternatives.","affected_claim_ids":["S_KS-P12-C049"],"related_claim_ids":[],"validated_exact_raw_rows":[],"exact_original_cell_matches":[],"source_urls":["https://www.kslegislature.gov/b2025_26/laws/060_000_0000_chapter/060_002_0000_article/060_002_0003_section/060_002_0003_k/"],"localization":"claim_row_matches_available_no_complete_narrative_localization","public_status":"Recorded correction pending; working-paper assertion requires the stated repair or qualification."},{"issue_id":"S_KS-P12-Q002","finding":"Legal-disability summary omits the death-during-disability branch The current D6/J answered disposition gives only removal-of-disability timing and a qualifying-prisoner shorthand, leaving the operative death branch and exact prison-term condition unstated.","affected_claim_ids":["S_KS-P12-C044"],"related_claim_ids":[],"validated_exact_raw_rows":[],"exact_original_cell_matches":[],"source_urls":["https://www.kslegislature.gov/b2025_26/laws/060_000_0000_chapter/060_005_0000_article/060_005_0015_section/060_005_0015_k/"],"localization":"claim_row_matches_available_no_complete_narrative_localization","public_status":"Recorded correction pending; working-paper assertion requires the stated repair or qualification."},{"issue_id":"S_KS-P12-Q003","finding":"The claimed26(b)commentary read is not reproducible in the checked current sources The source row and C055 rely on a precise commentary read whose text/version cannot be authenticated in this bounded review. This does not establish that no historical commentary exists or the original researcher never accessed it.","affected_claim_ids":["S_KS-P12-C055"],"related_claim_ids":[],"validated_exact_raw_rows":[],"exact_original_cell_matches":[],"source_urls":["https://www.ecfr.gov/current/title-12/chapter-X/part-1006/appendix-Supplement%20I%20to%20Part%201006"],"localization":"claim_row_matches_available_no_complete_narrative_localization","public_status":"Recorded correction pending; working-paper assertion requires the stated repair or qualification."}],"resolved_corrections":[],"review_history":[{"id":"S_KS-pass-12-scoped","status":"reviewed_with_holds_material_corrections_pending_UNSENT","at":null}]}