Which place’s debt rules apply—and who can help?

SettleADebt.com — S_KS, PASS-19

Kansas ordinary consumer-debt court-judgment interest, dormancy, revival, liens, and satisfaction

Fresh research date: October 26, 2026, Pacific / October 26, 2026, UTC Actual model: GPT-5.6 Sol Pro Review character: Continuation in this original authorized Chat; not an independent review Component boundary: Kansas court money judgments arising from ordinary unsecured consumer contracts, revolving accounts, open accounts, installment obligations, and necessary negotiable-instrument claims; limited treatment of confirmed arbitration awards, foreign judgments, and federal district-court judgments solely to identify the applicable judgment regime.

PASS-18 remains saved but unreviewed and is not adopted as a premise. The narrow arbitration-award-to-judgment boundary necessary here was freshly read from K.S.A. 5-447.

This pass does not complete execution, garnishment, wage or bank exemptions, sheriff sales, judgment-creditor discovery, foreclosure, medical liens, tax or support judgments, government debts, bankruptcy, probate, secured deficiencies, local or tribal law, credit reporting, or judgment enforcement against any particular asset.

Executive determination

A Kansas debt claim does not become a judgment merely because a creditor, arbitrator, or collector declares an amount due. A Kansas state judgment becomes effective when the judge signs the journal entry or judgment form and it is filed with the clerk. A bare arbitration award is not itself an execution writ or real-estate lien; after a Kansas court enters a conforming judgment on a confirmed award, that judgment is recorded, docketed, and enforced like another civil judgment. Kansas Legislature+1

For ordinary money judgments, Kansas has three distinct interest branches:

Kansas’s ordinary statutory postjudgment interest is simple rather than compound interest. Where the statutory rather than contractual branch controls, prejudgment interest already included in the judgment can merge into the judgment base. By contrast, a consumer-credit contract rate cannot be applied to prejudgment interest as “interest on interest.” Justia Law+1

An ordinary Kansas money judgment remains active for five years after entry, revival, or the most recent qualifying renewal event. Before that period ends, a creditor can preserve it by filing a sworn renewal affidavit or issuing qualifying execution process. If not preserved, the judgment becomes dormant and ceases to operate as a real-estate lien. A dormant judgment can be revived by a timely motion filed within two years after dormancy, with summons-style notice and the statutory execution process. If it remains dormant for two years, the judge must release it on request; current Kansas cases describe the unrevived judgment as lacking binding legal effect and being unenforceable. Kansas Legislature+3

A creditor can keep an ordinary money judgment active indefinitely through timely renewal affidavits or qualifying executions at intervals of less than five years. An ordinary payment, demand letter, settlement discussion, credit-report entry, or debt assignment is not one of the preservation events listed in K.S.A. 60-2403. A pending garnishment does not keep restarting the clock indefinitely; a new execution or renewal affidavit is needed. A voluntary covenant not to execute is not the same as a legal prohibition on enforcement. Kansas Legislature+1

The Kansas Court of Appeals added an important scope qualification in August 2026. Littell Family Trust v. Merit Energy held that K.S.A. 60-2403 addresses money judgments—money or property owed by a judgment debtor—not every form of judicial decree. The majority therefore refused to extinguish a class-action settlement judgment imposing continuing court-supervised future obligations after its paid money component had been completed. That narrow holding does not remove an ordinary fixed consumer-debt money judgment or ordinary consent money judgment from the dormancy statute. The published opinion includes a dissent and had no Kansas Supreme Court treatment located in this pass. Justia Law+2

Kansas judgment liens are not automatically statewide and do not attach to every asset:

• A Chapter 60 judgment creates a lien on the debtor’s nonexempt real estate in the county where judgment is rendered.
• To create a lien in another county, an attested journal entry and costs statement must be filed with that county’s district-court clerk and the filing fee paid.
• A Chapter 61 limited-action judgment requires the statutory fee and clerk’s appearance-docket entry before a real-estate lien arises.
• The statutory lien concerns real property, not a blanket lien on wages, bank accounts, household goods, or every personal asset.
• A Kansas judgment lien does not attach to or affect a qualifying homestead.
• The lien ceases when the money judgment becomes dormant. Kansas Legislature+3

When a Kansas civil money judgment has been fully satisfied, the creditor or assignee must file a satisfaction and release within 21 days after receiving a written demand sent by statutory restricted mail. The filing must be made in the court of entry and every other court in which the judgment was filed. Refusal or neglect after the statutory trigger exposes the creditor or assignee to $100 damages plus a reasonable attorney fee for the enforcement action. Kansas Legislature+2

A. Judgment type, route, and legal effect

A1. Judgment-type matrix

A small claim is an alternative procedure supplemental to the limited-actions code, and the limited-actions code applies except where the Small Claims Procedure Act supplies a contrary rule. K.S.A. 61-3303 imports the Kansas interest statutes, while K.S.A. 61-3610 imports the ordinary dormancy and revival provisions. Kansas Legislature+2

A foreign judgment filed under K.S.A. 60-3002 receives the same effect and is subject to the same procedures and defenses as a Kansas district-court judgment. The filer also supplies the statutory affidavit and notice, and the Kansas court can stay enforcement where the rendering state has stayed the judgment or Kansas stay grounds exist. Kansas Legislature+2

B. Kansas interest rules

B1. Interest-layer matrix

B2. Current Chapter 60 statutory rate

K.S.A. 16-204(e)(1) changes the Chapter 60 statutory judgment rate every July 1 for both older outstanding judgments and judgments rendered during the next twelve-month period. The Kansas Secretary of State publishes the official rate. The current public table states:

The 7.75% figure is not a universal lifetime rate for judgments entered in 2026. A Chapter 60 statutory-rate judgment that remains unpaid after July 1, 2027 will use the later officially published rate for the next period. No unseen future rate is assumed.

B3. Chapter 61 and small-claims rate

K.S.A. 16-204(e)(2) states that limited-action judgments bear 12% per annum. Because the Small Claims Procedure Act is part of and supplemental to the limited-actions code, an ordinary small-claims money judgment follows that limited-action interest structure unless a specific contrary rule or valid contract-rate rule applies. Kansas Legislature+2

B4. Valid contract-rate judgments

K.S.A. 16-205 continues a valid agreed rate through judgment and payment, requires that rate to be stated in the judgment, and prohibits a higher default-penalty rate. For an ordinary interest-bearing contract, the judgment should identify:

• Unpaid principal balance.
• Date through which interest has been paid.
• Contract rate.
• That the unpaid principal balance draws the contract rate until paid. Kansas Legislature+1

In D.A.N. Joint Venture III v. Turk, the creditor improperly applied the 21.5% contract rate to the entire judgment—including accrued prejudgment interest and fees—instead of the unpaid principal. The Court of Appeals treated that as impermissible interest on interest under K.S.A. 16-205 and the UCCC. Justia Law+2

A valid contract rate is not assumed merely because a creditor’s ledger lists an annual percentage rate. The actual contract, lawful maximum, account type, acceleration, judgment language, and principal calculation remain necessary.

B5. Statutory simple interest and merger

Kansas statutory postjudgment interest is simple interest. Iola State Bank v. Bolan treated the combined principal and prejudgment interest included in the judgment as accruing statutory simple postjudgment interest. That is distinct from K.S.A. 16-205’s consumer-credit contract-rate principal-only structure. Justia Law+1

The reviewed authority does not establish one universal treatment for every separately taxed attorney-fee award, later fee order, or postjudgment cost. The signed journal entry, the timing of any later fee award, and the statute authorizing it must be examined.

B6. Judgment entry and interest start

K.S.A. 16-204 states that postjudgment interest begins on and after the day the judgment is rendered. K.S.A. 60-258 makes the judgment effective when the signed journal entry or judgment form is filed with the clerk. Ary Jewelers applied the statutory rate from that filed judgment date. Kansas Legislature+2

B7. Appeal and enforcement stay

Kansas’s judgment-interest statutes continue the relevant rate until payment and do not state that an appeal or enforcement stay stops interest. K.S.A. 60-262 ordinarily prevents execution for 14 days and allows longer stays by court order or approved bond. K.S.A. 60-2403(c) expressly suspends the dormancy-preservation clock when legal-process enforcement is stayed or prohibited; it does not state that interest is suspended. This is a textual distinction, not a holding that every stayed or later-vacated judgment necessarily accrues the same final amount. Kansas Legislature+3

If an appellate or trial court later vacates, reduces, or replaces the judgment, the final interest base and start date depend on the resulting orders.

B8. Partial payments and allocation

No general Kansas statute located in this pass supplies one universal allocation order for every partial judgment payment among:

• Accrued postjudgment interest.
• Principal.
• Taxed costs.
• Attorney fees.
• Other court-awarded components.

The judgment, contract, tender language, court order, clerk accounting, and governing substantive law matter. A payment reduces the amount actually outstanding but does not, standing alone, count as a renewal affidavit or statutory execution for dormancy purposes. Kansas Legislature

B9. Interest during dormancy

The reviewed statutes establish that a dormant judgment is not presently enforceable and no longer operates as a real-estate lien. They do not expressly state whether interest continues to accrue during the revivable two-year dormancy interval or how that interest should be handled upon revival. PASS-19 therefore holds that calculation pending controlling authority or the actual revival order rather than assuming either uninterrupted accrual or a complete pause.

C. Federal judgment interest

C1. Federal formula

For a money judgment in a federal district court:

Plain text

Federal annual rate
= weekly average one-year constant-maturity Treasury yield
  for the calendar week preceding judgment entry

Interest:

• Begins on the date of judgment entry.
• Is computed daily to payment.
• Is compounded annually. U.S. Code+2

The Administrative Office of the U.S. Courts publishes historical weekly rates. The applicable rate is fixed by the judgment-entry week; today’s weekly federal rate cannot be substituted for an older judgment.

C2. Contracting around the federal rate

The Tenth Circuit requires clear, unambiguous, and unequivocal language selecting a different postjudgment rate. A generic choice-of-law clause or language saying interest continues “until paid” may be insufficient. An arbitration panel can set another postjudgment rate only when the issue was properly before it and the award clearly and unequivocally does so. Justia Law

C3. State versus federal distinction

28 U.S.C. §1961 expressly does not alter interest on judgments of courts not specified in that section. A Kansas state-court judgment therefore does not use the federal Treasury-yield rate merely because the underlying debt involved interstate commerce, a national bank, federal consumer law, or an arbitration clause. United States Courts

D. Duration, dormancy, and enforceability

D1. Ordinary money-judgment lifecycle

D2. Qualifying preservation events

For ordinary money judgments, K.S.A. 60-2403 names:

• Renewal affidavit.
• Execution.
• Garnishment.
• Proceeding in aid of execution.
• Other qualifying process treated as execution by statute. Kansas Legislature+1

A renewal affidavit must:

• Be under oath.
• Be signed by the judgment creditor or creditor’s attorney.
• Be filed in the proceeding where judgment was entered.
• State the remaining unpaid balance. Kansas Legislature

An unaccompanied payment, account statement, collector note, credit-report update, telephone demand, settlement proposal, or assignment is not a listed preservation event.

D3. Pending execution does not preserve forever

Associated Wholesale Grocers v. Americold holds that continued pendency of a garnishment does not toll the dormancy period. The operative date is issuance of process, not the end of the proceeding; another qualifying execution or renewal affidavit must occur before the next five-year period expires. An appeal or remand in the garnishment does not itself reset that clock. Justia Law

A legal stay or prohibition can suspend the clock under K.S.A. 60-2403(c), but a creditor’s voluntary agreement not to execute does not automatically qualify. Justia Law+1

D4. 2026 Littell scope qualification

The published 2026 Littell majority held that K.S.A. 60-2403 applies to money judgments—money or property owed by a judgment debtor—not every judicial decree. The court distinguished an already-paid settlement-fund money component from ongoing court-supervised royalty-payment restrictions embedded in a class settlement judgment. It expressly said that its view would differ if the class still sought the unpaid $16.7 million money component. Justia Law+1

For PASS-19’s ordinary fixed consumer-debt judgments, this means:

• A judgment ordering payment of a fixed credit-card, installment, open-account, or contract debt is a money judgment governed by the ordinary five-year dormancy structure.
• Labeling it a “consent judgment” or “settlement judgment” does not alone remove it.
• A genuinely continuing, nonmoney, court-supervised obligation requires separate analysis.
• The opinion contains a dissent disputing the majority’s interpretation, and no Kansas Supreme Court resolution was located as of October 26, 2026. Justia Law+1

D5. Expiration versus underlying debt

When a judgment remains dormant beyond the revival period, Kansas cases characterize the judgment as unenforceable and without binding legal effect. That does not mean PASS-19 establishes a general right to sue again on the original merged contract. The original cause may have merged into the judgment, and any proposed new action would confront merger, preclusion, dormancy, and limitations issues.

E. Renewal, revivor, and action on judgment

E1. Renewal before dormancy

A renewal affidavit is the least procedurally complex preservation method expressly identified in the statute. Filing a valid affidavit before the five-year period expires restarts the five-year clock from that filing date. No summons or hearing is specified for the affidavit itself. The affidavit does not prove that the stated balance is correct against a timely factual challenge; it preserves the judgment’s active status. Kansas Legislature

E2. Revivor after dormancy

A dormant judgment holder must:

1. File a motion for revivor within two years after dormancy.
2. Give notice as for a summons under Kansas Chapter 60 service rules.
3. Establish holder or successor status.
4. Address any good cause shown against revivor.
5. After revival is granted, request immediate issuance of execution.
6. Proceed “forthwith,” meaning without unnecessary delay and with reasonable diligence in light of the circumstances. Kansas Legislature+2

The court “shall” revive a timely judgment unless good cause to the contrary is shown. The creditor need not file the execution request simultaneously with the revivor motion; Citizens Bank v. Gaskins holds that the request follows grant of revivor and that “forthwith” is not a fixed same-day requirement. Justia Law+1

A written stipulation signed by all affected parties can also revive the judgment. Kansas Legislature

E3. Successor or assignee

A successor claiming through assignment, personal representation, operation of law, or another transfer must file the assignment or transfer proceedings with the clerk. After that filing, the successor may use the predecessor’s judgment remedies in its own name. If succession is disputed, the court determines it on reasonable notice. Kansas Legislature

A generic debt-purchase label does not prove transfer of a specific judgment. The actual assignment must link:

• The original judgment.
• The judgment debtor.
• The judgment amount or account.
• The transferring creditor.
• The successor.
• Any intermediate assignments.

E4. Action on judgment

Kansas cases distinguish an “action on a judgment”—an original cause of action—from execution and garnishment. But DeKalb Swine Breeders explained that old action-on-judgment cases were not persuasive in interpreting the current statutory dormancy scheme and held that statutory execution timing controlled preservation. Associated Wholesale likewise refused to allow another proceeding to evade the strict dormancy and revivor system. Justia Law+1

No current controlling Kansas ordinary consumer-debt authority was located that permits a separate action on an expired Kansas judgment to bypass K.S.A. 60-2403 and 60-2404. PASS-19 therefore treats renewal affidavit and statutory revivor—not a new complaint on the judgment—as the verified Kansas preservation routes.

E5. Revival and lien priority

Although revival restores the judgment’s force between the judgment parties, it does not necessarily restore historical lien priority against third parties who acquired interests while the lien was dormant. Brieger v. Brieger held that revival did not recreate liens enforceable against intervening grantees who acquired the property after dormancy. Justia Law

F. Judgment liens

F1. Lien-creation matrix

F2. County-specific, not statewide

A Chapter 60 judgment in Johnson County does not automatically create a statutory judgment lien on land in Sedgwick, Douglas, or any other county. The creditor must file the required attested judgment and costs statement with the district-court clerk in the additional county and pay the statutory fee. The lien there begins on the filing date. Kansas Legislature

The filing is with the district-court clerk, not automatically with the county register of deeds.

F3. Real property only

K.S.A. 60-2202 addresses real estate or real property. It is not a universal lien on:

• Wages.
• Deposit accounts.
• Cars.
• Furniture.
• Business inventory.
• Tax refunds.
• Other personal property.

Those assets require separate execution, garnishment, attachment, exemption, or lien authority.

F4. Homestead

Kansas’s homestead statute exempts the qualifying residence from forced sale subject to its stated exceptions. Deutsche Bank v. Rooney holds more strongly that an ordinary K.S.A. 60-2202 judgment lien does not attach to or affect a qualifying homestead. Full homestead characterization, acreage, occupancy, abandonment, spouse-consent, purchase-money, tax, and consensual-lien rules remain outside this pass. Kansas Legislature+1

F5. Dormancy and lien loss

K.S.A. 60-2403 expressly states that a dormant judgment ceases to operate as a real-estate lien. Revival restores the judgment’s force but cannot be assumed to restore its original priority against intervening purchasers or lienholders. Kansas Legislature+1

F6. Lien is not seizure authority

Lien attachment is a record and priority consequence. It does not itself authorize:

• Immediate sale.
• Entry onto property.
• Eviction.
• Taking personal property.
• Garnishment.
• Foreclosure without process.

Those enforcement procedures remain later required passes.

G. Satisfaction, release, and payment proof

G1. Full satisfaction route

K.S.A. 60-2803 applies when a Kansas civil money judgment is satisfied. The creditor or assignee must file a satisfaction and release within 21 days after receipt of:

1. A written demand.
2. Sent by statutory restricted mail.
3. After full satisfaction.
4. Directed to the proper creditor or assignee. Kansas Legislature+1

The satisfaction must be filed:

• In the court where judgment was entered.
• In every other court where the judgment was filed. Kansas Legislature

This second requirement matters where the judgment was transcribed or filed in several counties.

G2. Restricted mail

Restricted mail requires prepaid delivery endorsed so that the sender receives a return-receipt notification showing date and address of delivery and, for a natural-person addressee, delivery only to the addressee or authorized agent. Ordinary email, ordinary first-class mail, a telephone demand, or proof that the creditor “must have heard about it” does not establish the specific K.S.A. 60-2803 trigger. Kansas Legislature

G3. Refusal or neglect

A creditor or assignee that refuses or neglects to file after the statutory predicates can be liable for:

Plain text

$100 statutory damages
+
reasonable attorney fee for preparing and prosecuting
the action to recover those damages
``` :chatgpt-content-reference{index="43"}


In *Richardson v. Murray*, the judgment and allowed costs had been paid, the creditors failed to file satisfaction after demand, and the district court awarded the $100 statutory amount plus $594 in attorney fees. The pending possibility of an appeal over a separate attorney-fee issue did not excuse failure to satisfy the paid judgment component. :chatgpt-content-reference{index="44"}

## G4. Payment through court office

K.S.A. 60-2803’s demand-and-penalty procedure does not apply when satisfaction occurs through the office of the district-court clerk, district-court trustee, or specified support-payment unit. That exception does not mean the record can remain inaccurate indefinitely; it means the statutory filing mechanism differs. :chatgpt-content-reference{index="45"}

## G5. Partial satisfaction

K.S.A. 60-2803’s express 21-day duty is triggered when the judgment **is satisfied**, meaning full satisfaction on the facts. PASS-19 did not locate a general Kansas provision imposing the same 21-day restricted-mail procedure for every partial payment.

A partial payment should be accurately credited, but it does not automatically require full judgment release, terminate every county lien, or restart dormancy.

## G6. Creditor unavailable or amount disputed

K.S.A. 60-260(b)(5) authorizes a court to relieve a party from a judgment that has been satisfied, released, or discharged. A motion must be filed within a reasonable time and does not itself suspend the judgment’s operation. This can provide a judicial route where the creditor is unavailable, refuses to acknowledge satisfaction, or disputes remain over the judgment’s continued operation. :chatgpt-content-reference{index="46"}

The official Kansas Courts index identifies Supreme Court Rule 186, “Satisfaction of Money Judgment,” and the Kansas Judicial Council lists a “Proffer of Satisfaction of Money Judgment” form. The official rule and form pages returned access errors during this pass, so PASS-19 does **not** state their detailed objection or payoff-calculation deadlines as fully verified operative text. They remain an identified public procedural route requiring direct current-text verification before use.

## G7. Distinct documents and consequences

| Event/document | What it does | What it does not automatically do |
|---|---|---|
| Private settlement release | Resolves rights within its terms | Does not automatically satisfy a court judgment record |
| Judgment satisfaction | Records payment/discharge of judgment | Does not automatically delete credit reporting |
| County judgment-lien release | Clears that county’s lien record | Does not release unrelated judgments or security interests |
| Full payment | Can stop interest when legally credited | Does not erase filing history without satisfaction |
| Partial payment | Reduces outstanding amount according to lawful allocation | Does not release full judgment |
| Credit-report deletion | Reporting consequence | Does not satisfy judgment |
| Bankruptcy discharge | Federal personal-liability consequence | Does not automatically update every state record without proper procedure |
| Dormancy release | Removes unenforceable dormant judgment record on request | Is not proof that the judgment was paid |

---

# H. Federal and foreign-judgment boundary

## H1. Federal liens in Kansas

28 U.S.C. §1962 makes a federal district-court judgment a lien on property in the same manner, to the same extent, and under the same conditions as a state general-jurisdiction judgment. Kansas expressly includes judgments rendered in Kansas by a United States court in K.S.A. 60-2202. Federal judgments therefore follow Kansas county-specific docketing and lien conditions for Kansas property. :chatgpt-content-reference{index="47"}

## H2. Federal registration elsewhere

A qualifying federal money or property judgment can be registered in another federal district under 28 U.S.C. §1963 after finality or on a good-cause order. Registration gives it the same effect as a judgment of the registering district. A certified satisfaction, whether whole or partial, can likewise be registered in every federal district where the judgment is a lien. :chatgpt-content-reference{index="48"}

## H3. Sister-state judgments

An authenticated or certified sister-state judgment filed under K.S.A. 60-3002 is treated like a Kansas district judgment. It then follows Kansas enforcement, lien, dormancy, and satisfaction procedure, subject to available defenses and stays. The filing does not retroactively create a Kansas lien before Kansas’s own filing or docketing requirements are met. :chatgpt-content-reference{index="49"}

---

# I. Material cases

| Case | Court/date/status | Material holding | PASS-19 limit |
|---|---|---|---|
| **D.A.N. Joint Venture III v. Turk** | Published Kansas Court of Appeals, 2006 | Contract rate under K.S.A. 16-205 applies to unpaid principal, not prejudgment interest or the whole judgment | Consumer-note/UCCC facts; does not supply every partial-payment rule |
| **Iola State Bank v. Bolan** | Kansas Supreme Court, 1984 | Statutory postjudgment simple interest can apply to principal plus prejudgment interest merged into judgment | Historical rates; current rate comes from current statute |
| **Ary Jewelers v. Krigel** | Kansas Supreme Court, 2004 | Interest begins from filed judgment entry; valid agreed rate can govern, statutory rate otherwise | Commercial facts |
| **Citizens Bank v. Gaskins** | Published Kansas Court of Appeals, 2025 | Revivor motion timely within two years; execution request need not be simultaneous; “forthwith” means without unnecessary delay | Secured RV facts, but statutory construction general |
| **Associated Wholesale Grocers v. Americold** | Kansas Supreme Court, 2011 | Pending garnishment does not toll; new process or affidavit needed; voluntary nonexecution agreement not statutory prohibition | Complex consent judgments and garnishment |
| **Littell Family Trust v. Merit Energy** | Published Kansas Court of Appeals, Aug. 28, 2026 | K.S.A. 60-2403 applies to money judgments; did not extinguish paid-money/ongoing-supervision class settlement order | Majority/dissent; no Kansas Supreme Court treatment located |
| **DeKalb Swine Breeders v. Woolwine Supply** | Kansas Supreme Court, 1991 | Issuance of process, not completion, controls dormancy clock; old action-on-judgment analogy not persuasive under current scheme | Older statutory version, but core strictness retained |
| **Brieger v. Brieger** | Kansas Supreme Court, 1966 | Revival did not retroactively restore lien against intervening grantees | Older domestic-relations facts |
| **Richardson v. Murray** | Published Kansas Court of Appeals, 2017 | Enforced 21-day satisfaction duty and affirmed $100 plus attorney-fee consequence | Fully paid judgment and restricted demand facts |
| **Deutsche Bank v. Rooney** | Published Kansas Court of Appeals, 2008 | Ordinary judgment lien does not attach to qualifying homestead | Full exemption analysis remains outside scope |
| **Mid Atlantic Capital v. Bien** | Published Tenth Circuit, 2020 | Federal rate governs absent clear and unequivocal different postjudgment rate in contract or arbitration award | Federal judgments only |

---

# J. Master actor/event matrix

| Actor or stage | Trigger | Required filing, evidence, or act | Window/rate | Consequence if completed | Main gap |
|---|---|---|---|---|---|
| **Kansas judge/clerk** | Decision reduced to judgment | Signed journal entry or judgment form filed | Entry event | Judgment becomes effective | Actual entry date |
| **Chapter 60 creditor** | Judgment entered | Correct rate branch and principal/judgment base | Annual variable statutory or valid contract rate | Interest accrues | Actual contract/journal |
| **Chapter 61 creditor** | Limited judgment | K.S.A. 16-204/205 application | 12% default or valid contract rate | Interest accrues | Actual contract rate |
| **Judgment creditor preserving active judgment** | Before five-year period ends | Renewal affidavit or qualifying execution | Within five years of last trigger | New five-year period | Actual docket |
| **Dormant-judgment holder** | Five years of inactivity | Motion for revivor; summons-style notice | Within two years after dormancy | Revived judgment | Entry/service dates |
| **Holder after revival order** | Revivor granted | Request immediate issuance of execution | Forthwith—reasonable diligence | Restored enforcement | Actual delay/circumstances |
| **Assignee/successor** | Acquires judgment | File assignment or transfer proceedings | Before enforcing in own name | Uses predecessor’s remedies | Chain/account link |
| **Chapter 60 lienholder** | Judgment in original county | Statutory judgment entry | Immediate statutory lien effect subject to petition relation | County real-estate lien | Exempt/homestead status |
| **Out-of-county lienholder** | Debtor owns real property elsewhere | Attested judgment, costs statement, fee, district-clerk filing | No universal grace period | Lien from filing | Property/county facts |
| **Chapter 61 lienholder** | Limited judgment | Fee and appearance-docket entry | Upon statutory filing | County real-property lien | Filing evidence |
| **Satisfied-judgment creditor** | Full satisfaction plus restricted-mail demand | File satisfaction in entry court and every filing court | 21 days after receipt | Release of judgment/lien record | Payment and receipt proof |
| **Debtor/interested person after refusal** | Creditor fails statutory duty | Action/motion supported by payment and demand evidence | After 21-day failure | $100 plus possible reasonable fee | Actual demand/service |
| **Federal judgment creditor** | Federal money judgment | Use §1961 rate and Kansas lien conformity | Fixed federal entry-week rate | Federal interest and Kansas-property lien route | Entry week and docket |
| **Judgment debtor appealing** | Appeal filed | Obtain approved bond/order for stay beyond automatic period | State 14-day automatic stay, then actual order | Enforcement stayed on terms | Appeal/bond record |

---

# K. Bounded hypothetical workflows

Every example is hypothetical. None is a lawful collection quote or account-specific deadline.

## K1. Ordinary Chapter 60 statutory-rate judgment spanning two rate years

**Assumptions**

- Kansas Chapter 60 judgment amount: **$10,000**.
- Judgment entered July 1, 2025.
- No valid contract rate.
- No payments.
- No additional fees, costs, modification, or compounding.
- Exactly one full year falls in each official rate window.

**Year 1**

```text
Base                              $10,000.00
Rate July 1, 2025–June 30, 2026         8.25%
Interest                         $10,000 × 0.0825
                                 = $825.00

Year 2

Plain text

Base                              $10,000.00
Rate July 1, 2026–June 30, 2027         7.75%
Interest                         $10,000 × 0.0775
                                 = $775.00

Two-year simple-interest illustration

Plain text

Judgment base                    $10,000.00
Year 1 interest                     825.00
Year 2 interest                     775.00
                                 ----------
Illustrative unpaid total        $11,600.00

No interest is added to prior interest in this illustration. The later annual rate cannot be predicted before official publication. Kansas Secretary of State+2

K2. Contract-rate judgment

Assumptions

• Valid lawful contract rate: 18%.
• Unpaid principal identified in judgment: $6,000.
• Judgment separately contains $800 prejudgment interest, $500 fees, and $100 costs.
• One full year passes with no principal payment.
• The example calculates only the K.S.A. 16-205 principal stream.

Plain text

Unpaid principal                 $6,000.00
Contract rate                          18%
One-year contract interest       $6,000 × 0.18
                                 = $1,080.00

Improper whole-judgment calculation:

Plain text

Total judgment components        $7,400.00
$7,400 × 18%                     = $1,332.00

Difference:

Plain text

$1,332.00 − $1,080.00            = $252.00

The $252 difference illustrates the prohibited interest-on-interest risk. The example does not decide whether another statutory rate applies to separately awarded fees or costs. Kansas Legislature+1

K3. Partial payment with allocation held

Assumptions

• Statutory-rate Chapter 60 judgment base: $10,000.
• Applicable annual rate: 7.75%.
• Illustrative 365-day convention.
• 100 days elapsed.
• Payment: $1,000.
• No statutory allocation order is assumed.

Accrued simple interest:

Plain text

Daily interest:
$10,000 × 0.0775 ÷ 365
= $2.12328767 per day

100-day interest:
$2.12328767 × 100
= $212.328767
Rounded for illustration
= $212.33

Assumed interest-first branch

Plain text

Payment                           $1,000.00
Less accrued interest               212.33
Amount reducing judgment base       787.67
New assumed base                  9,212.33

Assumed principal-first branch

Plain text

Payment reducing principal        $1,000.00
Remaining principal               9,000.00
Accrued interest still shown        212.33

The branches produce different accounting labels even though the immediate combined outstanding amount is $9,212.33. Kansas’s universal legal allocation order was not established in this pass; the judgment, contract, tender, clerk calculation, and court order control.

K4. No preservation action before dormancy

Assumptions

• Ordinary money judgment entered June 15, 2021.
• No renewal affidavit.
• No execution, garnishment, or proceeding in aid.
• No legal stay or prohibition.
• June 15 dates are ordinary business days for this illustration.

Plain text

Judgment entry                       June 15, 2021
Five-year preservation point         June 15, 2026
Dormant after missed preservation    June 2026
Two-year revivor endpoint            June 15, 2028

Between dormancy and the two-year endpoint, the creditor must revive before ordinary enforcement. After the revival window passes, current Kansas authority describes the money judgment as unenforceable and without binding legal effect. Exact docket dates and K.S.A. 60-206 application remain required in a real case. Kansas Legislature+2

K5. Timely renewal versus timely and late revivor

Renewal before dormancy

Facts

• Same June 15, 2021 judgment.
• Valid renewal affidavit filed June 10, 2026.

Plain text

New five-year measurement point      June 10, 2026
Next preservation point              June 10, 2031

Timely revivor

Facts

• No affidavit before dormancy.
• Motion for revivor filed June 14, 2028.
• Summons-style notice validly served.
• No good cause against revival.
• Court grants revivor.
• Creditor requests execution without unnecessary delay.

Result: The judgment can be revived and begins a new five-year period from the revivor order. Kansas Legislature+1

Late branch

Motion filed after the two-year revivor window:

Plain text

Statutory revivor authority           Not established
Ordinary enforcement                  Not established
New suit on original debt             Not established

A separate action cannot be presumed to bypass the dormant-judgment statutes.

K6. Lien in original county and another county

Assumptions

• Chapter 60 judgment entered in Johnson County.
• Debtor owns nonhomestead land in Johnson and Sedgwick Counties.
• All statutory documents and fees are otherwise proper.

Johnson County

The judgment creates the statutory county real-estate lien, subject to K.S.A. 60-2202’s effective-date rule.

Sedgwick County before filing

Plain text

Kansas judgment exists                  Yes
Automatic Sedgwick County lien           No

Sedgwick County after filing

Creditor files:

• Attested journal entry.
• Statement of taxed costs.
• Required fee.

Plain text

Sedgwick County lien begins             Date of that filing

No lien is assumed against wages, bank accounts, a car, or personal property. Kansas Legislature

K7. Limited-action judgment lien

Assumptions

• Chapter 61 judgment entered.
• Creditor has not paid the K.S.A. 28-170 fee.
• Clerk has not made the lien appearance-docket entry.

Plain text

Money judgment exists                     Yes
Chapter 61 real-property lien              Not yet

After fee payment and docket entry in a county where the debtor owns nonexempt real property:

Plain text

Lien begins                               On that entry

The judgment can alternatively be renumbered under K.S.A. 60-2418 and filed in another property county through the Chapter 60 mechanism. Kansas Legislature+1

K8. Full payment and missing satisfaction

Assumptions

• Kansas civil money judgment fully paid January 5, 2027.
• Proper restricted-mail written demand received January 7, 2027.
• K.S.A. 60-206 applies.
• No holiday or clerk-inaccessibility issue.

Computation:

Plain text

Receipt date excluded             January 7
Day 1                             January 8
Day 21                            January 28, 2027

January 28, 2027 is a Thursday.

If no satisfaction is filed by that terminal date in the entry court and every other filing court, the statutory refusal-or-neglect remedy can arise, subject to complete proof of payment, demand, receipt, creditor identity, and applicable exception. Kansas Legislature+2

K9. Creditor unavailable, dissolved, or refuses to calculate payoff

Assumptions

• Debtor possesses evidence of full payment.
• Creditor no longer responds.
• County records still show judgment.
• No reliable satisfaction has been filed.

Potential public-law routes:

1. Restricted-mail demand under K.S.A. 60-2803 where a creditor or assignee remains identifiable.
2. Court relief under K.S.A. 60-260(b)(5) based on satisfaction, release, or discharge.
3. Verification of the current Supreme Court Rule 186 proffer procedure and official form before reliance.

Missing evidence:

• Full payment ledger.
• Interest calculation.
• Taxed costs.
• Assignee identity.
• Demand receipt.
• All counties where judgment was filed.
• Whether judgment is active, dormant, or already released.
• Whether the creditor entity has a legal successor.

No clerk is presumed authorized to erase the judgment based only on an informal statement. Kansas Legislature+1

K10. Federal versus Kansas state judgment

Kansas state judgment

Plain text

Judgment amount                   $10,000
Court route                       Chapter 60
Current rate window               July 1, 2026–June 30, 2027
Rate                              7.75%
Interest structure                Simple

Federal district-court judgment

Plain text

Judgment amount                   $10,000
Rate                              Weekly one-year Treasury yield
                                  for week before federal entry
Interest structure                Daily computation,
                                  annual compounding

The federal rate cannot be calculated without the actual entry week. Kansas’s 7.75% rate cannot substitute for it. The federal judgment’s Kansas real-property lien follows Kansas county and property conditions through 28 U.S.C. §1962 and K.S.A. 60-2202. U.S. Code+3

K11. Appeal without continuing stay

Assumptions

• Kansas money judgment entered.
• Debtor files a notice of appeal.
• No supersedeas bond approved.
• No appellate or trial-court stay order beyond the ordinary automatic period.

Result:

Plain text

Initial enforcement stay           14 days after entry
Appeal filed                        Yes
Continuing stay after day 14        Not established
Interest                            Not shown to stop
Dormancy clock                      Suspended only if legal-process
                                    enforcement is actually stayed
                                    or prohibited

A notice of appeal alone is not an indefinite collection stay. Full appellate, bond, execution, and exemption procedure remains outside PASS-19. Kansas Legislature+1

K12. Fixed consent judgment versus continuing supervised settlement

Ordinary fixed consent money judgment

Plain text

Settlement amount reduced to judgment       $20,000
Unpaid money obligation remains             Yes
Court retains no special ongoing role       Assumed

Ordinary interest, dormancy, lien, and satisfaction rules apply.

Littell-type branch

Plain text

Money fund already paid                     Yes
Judgment incorporates ongoing future duties Yes
Court expressly retains supervision         Yes
Class-action approval required              Yes

The 2026 Littell majority held that the ongoing nonmoney supervisory judgment was not extinguished under K.S.A. 60-2403. That exceptional holding should not be generalized to an ordinary fixed consumer-debt consent judgment. Justia Law+1

L. Official rate, form, and instruction inventory

The absence of a recovered statewide form does not establish that no county form, local instruction, e-filing event, or clerk-approved template exists.

M. PASS-19 source register

N. PASS-19 claim register

O. Granular coverage and remaining gaps

P. Researcher self-check

Actually read or inspected

• Current Kansas judgment-entry statute.
• Narrow current confirmed-arbitration-award judgment provision.
• Current Chapter 61 and small-claims cross-references.
• Current Kansas prejudgment, statutory postjudgment, and contract-rate statutes.
• Official Kansas Secretary of State judgment-rate table through the July 1, 2026 rate.
• Current dormancy, renewal-affidavit, revivor, successor-creditor, lien, limited-judgment conversion, satisfaction, restricted-mail, judgment-relief, and stay statutes.
• Current Kansas foreign-judgment filing and stay provisions.
• Current federal judgment-interest, lien-conformity, and interstate federal-registration provisions.
• Material holdings and procedural posture of:D.A.N. Joint Venture III v. Turk.Iola State Bank v. Bolan.Ary Jewelers v. Krigel.Citizens Bank v. Gaskins.Associated Wholesale Grocers v. Americold.Littell Family Trust v. Merit Energy.DeKalb Swine Breeders v. Woolwine Supply.Brieger v. Brieger.Richardson v. Murray.Deutsche Bank v. Rooney.Mid Atlantic Capital v. Bien.
• Bounded official searches for Kansas renewal, revivor, satisfaction, and Rule 186 forms.

Currentness findings

• The current Chapter 60 statutory judgment rate is 7.75% for July 1, 2026 through June 30, 2027.
• Citizens Bank is a published 2025 Kansas Court of Appeals decision.
• Littell is a published August 28, 2026 Kansas Court of Appeals decision and materially narrows the phrase “any judgment” to money judgments in the circumstances addressed.
• No later Kansas Supreme Court disposition of Littell was located as of October 26, 2026.
• No future-effective Kansas amendment altering the ordinary five-year/two-year money-judgment structure was located.

Not read, obtained, or established

• Any actual judgment, journal entry, award, account, payment history, clerk ledger, renewal affidavit, execution, revivor motion, assignment, lien filing, title record, satisfaction, settlement, appeal, bond, or stay order.
• Every local district-court rule or county clerk instruction.
• Complete historical legislative treatment of K.S.A. 16-204, 60-2202, 60-2403, or 60-2803.
• A complete commercial citator or unpublished-case survey.
• A controlling Kansas decision resolving postjudgment interest during the revivable dormancy interval.
• A universal Kansas partial-payment allocation rule.
• A current controlling action-on-judgment route that bypasses dormancy.
• Complete official text and current version of Supreme Court Rule 186 or its form because direct official access failed.
• Any filing, title search, docket lookup, creditor contact, debtor contact, account change, record request, purchase, private data access, website work, publication, browser control, other Chat, or CAPTCHA workaround.

Numeric self-check

The examples were recalculated:

Plain text

$10,000 × 8.25% = $825.00
$10,000 × 7.75% = $775.00
$825.00 + $775.00 = $1,600.00

$6,000 × 18% = $1,080.00
$7,400 × 18% = $1,332.00
$1,332.00 − $1,080.00 = $252.00

$10,000 × 7.75% ÷ 365 = $2.12328767/day
$2.12328767 × 100 = $212.328767
Rounded illustration = $212.33

January 28, 2027 is a Thursday. June 15, 2026 is a Monday, and June 15, 2028 is a Thursday. Those calendar examples assume no contrary court closure, legal holiday, stay, or other computation rule.

Method limits

• An arbitration award was not treated as a judgment.
• A judgment was not treated as effective before signed filing.
• Today’s rate was not applied to historical periods.
• The Chapter 60 variable rate was not treated as fixed for life.
• The Chapter 61 12% rate was not applied where a valid contract rate could control.
• Contract interest was not compounded over prejudgment interest, fees, and costs.
• A payment was not treated as automatic dormancy renewal.
• A pending garnishment was not treated as perpetual preservation.
• A voluntary nonexecution agreement was not treated as a legal stay.
• A dormant judgment was not treated as presently enforceable.
• Revival was not treated as retroactive restoration of priority against intervening rights.
• A county judgment lien was not treated as statewide.
• A real-estate lien was not treated as a lien on every asset.
• A lien was not treated as seizure authority.
• A qualifying homestead was not treated as subject to an ordinary judgment lien.
• Partial payment was not treated as full satisfaction.
• Settlement release, judgment satisfaction, lien release, credit deletion, and bankruptcy discharge were not merged.
• An appeal was not treated as an automatic indefinite enforcement stay.
• No actual interest balance, dormancy date, revivor right, lien, title status, satisfaction, authority to collect, provider approval, operational clearance, component acceptance, Kansas acceptance, parent-dossier acceptance, A066 acceptance, or publication readiness is supplied.

PASS-19 conclusion

Kansas ordinary money judgments operate through separate but interacting clocks.

Interest begins with the effective judgment and follows one of three principal routes: annually changing Chapter 60 statutory rates, a fixed 12% limited-action rate, or a valid contract rate applied to the unpaid principal under K.S.A. 16-205. Federal district judgments instead use the federal entry-week Treasury rate with daily computation and annual compounding.

The judgment remains active for five years after entry, revival, or the last qualifying renewal or execution. A renewal affidavit or qualifying execution can keep it active indefinitely. If it becomes dormant, the lien ends and the creditor has two years to pursue statutory revivor. Payment, demand, collection contact, or debt sale alone does not perform that function. The 2026 Littell decision limits dormancy to money judgments and does not create an ordinary consumer-debt exception.

A Kansas real-estate judgment lien is county-specific, property-specific, filing-sensitive, and subordinate to the homestead boundary. It is not a statewide lien and is not an execution writ.

Finally, full payment does not by itself clean every court record. After full satisfaction and a proper restricted-mail demand, the creditor or assignee has 21 days to file satisfaction in the court of entry and every court where the judgment was filed. Failure can trigger the statutory $100 amount and reasonable enforcement attorney fees, while disputed payoff or unavailable-creditor situations require a supported court procedure rather than unilateral record alteration.

END S_KS PASS-19.