Save yourself time and trouble with ACA's Guide to State Collection Laws & Practices Cohort, and collect within state laws quickly and efficiently.
Your Essential Compliance Partner
Stay Compliant. Stay Competitive. Stay Confident. In the rapidly evolving world of debt collection, staying current on state laws isn't just important—it's essential. ACA's Guide to State Collection Laws & Practices delivers the timely, accurate compliance intelligence you need, now enhanced with powerful tools that save you time and streamline your operations.
Why State Guide is Mission-Critical for Your Operations
State collection laws are constantly changing. A regulation updated in one state this month could impact your operations next week. That's why our expert legal team updates State Guide every single month and hosts an exclusive monthly webinar to walk subscribers through recent changes, answer questions, and provide practical guidance on implementation. With State Guide, you're not just accessing information—you're gaining a competitive advantage through:
- Monthly updates researched and written by legal experts with decades of collective industry experience
- Live monthly conference calls with ACA's legal team to discuss state law changes and compliance implications
- Exclusive Hub discussion group for peer-to-peer insights
- Members-only articles on emerging compliance trends
Improvements Made to State Guide
We have made these improvements with you in mind, with the goal of making State Guide easier for you to navigate on our website and easier to use and incorporate into your own operations.
Version 3.0 Upgrades:
ACA’s Guide to State Laws and Collection Practices Now Offers Bespoke Excel Spreadsheets
In its relentless pursuit to curate the most accurate user-friendly guide to state collection laws, ACA has developed a bespoke spreadsheet feature for cohort subscribers. This new feature allows subscribers to choose the states, headings and subheadings they want to see in one document. Providing the subscriber with a concise document, focusing only on the states and laws of interest with a few clicks of the mouse.
Under the “explore ARM topics by category” section on the State Guide Cohort page, subscribers can choose which topics they are interested in such as garnishment exemptions and general credit reporting restrictions. Next, they can choose which states or territories they want to review. After the selection are made, the subscribers can simply click on the “Submit” button and the custom spreadsheet will download and be ready to review. Being able to select what states and laws are included in a spreadsheet allows subscribers to quickly access the information that is relevant to them without having to wade through pages of information or toggle between several documents.
Need to access a state chapter or topical file? Subscribers can navigate to these sections of the guide with one mouse click from this tool. Clicking on the icon behind each topic or state will take you to the full topical chapter or state chapter.
Version 2.0 Upgrades included:
- A NEW customization tool that allows subscribers to create tailored documents for state-specific content. The interface, which includes more than 70 topics and 54 states and U.S. territories, generates Excel spreadsheets with citations based on the states and topics you need.
Version 1.0 Upgrades Included:
- An expanded, interactive table of contents with clickable links in each state chapter to help you navigate quickly to the content you need.
- More than 60 topical PDFs that aggregate state laws by topic for everything covered in State Guide’s state chapters.
- Dual-format Excel spreadsheets for flexible data analysis and user customization.
- AI-powered automatic updates across all topical PDFs and Excel output.
State Guide Overview:
This program provides a comprehensive monthly summary of the laws and regulations that apply to collection practices and also provides access to 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
- 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
Also included is a monthly webinar, Hub discussion group, and articles exclusive to State Guide subscribers.