ACA International Guide to State Collection Laws Now Available Online

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Debt collection state laws covered in integrated online guide aimed at improving debt collection technique, debt collection strategy.

ACA International Guide to State Collection Laws & Practices

ACA's International’s Guide to State Collection Laws & Practices, with all 50 states and the District of Columbia, plus U.S. territories, is now available online.

The guide, which helps its users hone debt collection strategies and debt collection techniques, is continually updated and integrated into an easy-to-use online interface. ACA International members are able to access the guide from within their “My ACA” page on the ACA Web site at any time.

ACA International’s Guide to State Collection Laws & Practices, which is also available in traditional print format, provides a comprehensive summary of the laws and regulations that apply to debt collection practices and also provides access to additional state information such as:

  •     Interstate Collections
  •     First Party Collections
  •     Commercial Collections
  •     Attorney Licensing
  •     Purchaser Licensing
  •     Garnishment
  •     Right of Assignment
  •     Adding Fees
  •     Employee Monitoring
  •     Automated Dialing and Announcing Devices (ADADs)
  •     Contact/Fee Information
  •     Interstate Collections
  •     Additional Resources

The state sections also cover:

  •     Licensing or registration
  •     Bond requirements
  •     Trust accounts
  •     Statutory regulatory requirements
  •     Debt responsibilities
  •     Resident office requirements
  •     Requirement for communications
  •     Exemption for out-of-state agencies or others
  •     Legal age
  •     Statutes of limitation for civil actions

The electronic version of the state guide does not come with a hard copy of the book (which can be purchased separately), but users may print any portion they like from the electronic version.

About ACA International
ACA International, the Association of Credit and Collection Professionals, is the comprehensive, knowledge–based resource for success in the credit and collection industry. Founded in 1939, ACA brings together more than 5,500 members worldwide, including third–party collection agencies, asset buyers, attorneys, creditors and vendor affiliates. The association establishes ethical standards, produces a wide variety of products, services and publications, and articulates the value of the credit and collection industry to businesses, policymakers and consumers.


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John Nemo
ACA International
952-928-8000 ext. 124
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