Save yourself time and trouble with ACA's Guide to State Collection Laws & Practices Cohort, and collect within state laws quickly and efficiently.
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 1.0 upgrades include:
- An expanded, modernized table of contents (ToC) that appears at the head of every state chapter and which includes dozens of new topical subheadings to reflect today’s regulatory state.
- Every heading and subheading in the modernized ToC has been linked to the relevant content in the state chapter, so you’ll never again have to scroll endlessly or use the old “CTRL-F” hack to find the content you need in a state chapter—just click to navigate via the interactive ToC!
- More than 60 new “topical PDFs” that aggregate the laws from every state on each topic in our new Table of Contents. Now, in a single document, you can see how every state regulates a discrete topic. Choose your topic from a drop-down menu organized alphabetically by heading and subheading, and you’ll be taken straight to the relevant topical content for every state we cover, all aggregated in a single PDF.
- Tabular output two ways! If you’re the type who breathes Microsoft Excel, you’ll love our new spreadsheets that organize all of the content from our state chapters into spreadsheets arranged in State-by-Topic (states in the leading column, topics across the top row) or Topic-by-State (flipped) format. Download whichever Excel file suits your needs, then slice it, dice it, copy-and-paste it, or use it however makes the most sense for your own operations.
- In collaboration with our artificial-intelligence partners at Strategy3, we have brought the power of small-language artificial-intelligence models to State Guide. With this enhancement, every update to our chapters will automatically cascade to the topical PDFs and to our Excel output, ensuring that no changes get missed in any of our new output formats.
- New “at-a-glance” charts on selected state-law topics. Like cheat sheets, our new at-a-glance charts show which states have laws on selected topics (like medical debt collection) and, for those states that do regulate that topic, the features of each state’s law as compared to the wider landscape of similar state laws. The same great hands-on legislative research and analysis, performed by humans with decades of collective industry experience, that you’ve come to expect from ACA’s State Guide.
More improvements are coming in Q1 of 2025!
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.