Collector - August 2017 - 3

COLLECTOR

®

CHIEF EXECUTIVE OFFICER
Patrick J. Morris
EDITOR
Anne Rosso May
DESIGN FIRM
The YGS Group
COMMUNICATIONS SPECIALIST
Katy Zillmer
Collector is published monthly
by ACA International.
4040 W. 70th St.,
Minneapolis, MN 55435
Telephone: (952) 926-6547
Web: www.acainternational.org
Email: comm@acainternational.org
Twitter: @acacollector
Annual subscription rates: $35 for ACA
members, $70 for nonmembers. Single
copies: $3.25 for ACA members, $6.50 for
nonmembers.
Collector welcomes article submissions.
However, we cannot guarantee publication
of the articles we receive. Collector editors
reserve the right to edit submissions.
For advertising information, please contact
Leonard Media Group at (215) 675-9208,
ext. 201; info@leonardmedia.com;
or www.acainternational.org/advertising.
Advertisement of products or services
in Collector does not constitute an
endorsement by ACA.
Information contained in Collector is not
intended to be legal advice and may not
be used as legal advice. Every effort has
been made to ensure this information is
up-to-date at the time of publication. It is
not intended to be a full and exhaustive
explanation of the law, nor should it be
used to replace the advice of your counsel.

©2017COLLECTOR
ACA International. All
rights reserved. Materials
08.17
may not be reproduced without written permission.

PRESIDENT'SPAGE

Setting a New Standard
You deserve nothing but the best from your trade association.
By Rick Perr, Esq.

A

s an ACA International member, you deserve the best educational products, the best
customer service and the best representation in the legislative and regulatory arena
that is possible under the circumstances. While I still believe ACA is the premier
trade association in the country, we can do better. And I pledge to you that in the upcoming
year, we will do better.
Five years removed from ACA's restructuring, the Board of Directors and Council of
Delegates continue to tweak the association's governance structure. In order to provide greater
transparency and more effective communication, ACA has created a Special Committee on
Governance to examine the current governance structure. We have expanded participation
in ACA committees to include more members and more representation from the Council of
Delegates. We have instituted Board of Directors Committees to facilitate the dissemination
of information and ideas from our trained staff professionals to the Board of Directors to
the general membership at large. These changes, we believe, will improve ACA and, perhaps,
restore some of that feeling we used to have when the world was a little simpler and ACA
seemed a little bit more like family.
The next year presents an unprecedented opportunity to achieve regulatory, legislative and
judicial successes. It is imperative that all members embrace the All-In™ program initiated by
my predecessor, 2016/17 ACA President Keith Kettelkamp.
In my speech at ACA's Annual Convention in Seattle when I was installed as president,
I reminded those assembled that nothing is going to be handed to us no matter how noble
or just our cause. We have to be the impetus for the change we want. We have to meet with
our representatives to remind them of our critical role in the U.S. economy-the money we
return to businesses that has the effect of keeping the costs of goods and services low, allowing
the expansion of credit to those who need it most and the indirect impact of our employees'
spending and tax dollars in their districts.
The economic engine works because of the hard work of our companies; if we do not tell that
story, no one else will. And by "we," I do not mean ACA alone. All of you are responsible for
our collective success.
I look forward to meeting the challenges we face and tackling the obstacles in our path. You
elected us to act and to guide, not to sit idly by and bask in titles and in position. We will not let
you down; we will set a new standard for ACA.

Rick Perr, Esq.

is a partner at the firm Fineman,
Krekstein and Harris, P.C., in
Philadelphia. He can be reached
at rperr@finemanlawfirm.com.

3


http://www.acainternational.org http://www.acainternational.org/advertising

Table of Contents for the Digital Edition of Collector - August 2017

President's Page
Industry News
Best Practices
FYI
Collection Tips
Window of Opportunity
A Rising Tide Lifts All Boats
Setting Things in Motion
Calendar
Honor Roll
ACA Members Contribute to Successful Collectors Challenge Month
School Tides
Finding Balance
D.C. Circuit Court Holds Oral Argument in Appeal Over Constitutionality of CFPB
Compliance
ACA SearchPoint
Last Word
Collector - August 2017 - Cover1
Collector - August 2017 - Cover2
Collector - August 2017 - 1
Collector - August 2017 - 2
Collector - August 2017 - President's Page
Collector - August 2017 - Industry News
Collector - August 2017 - 5
Collector - August 2017 - Best Practices
Collector - August 2017 - 7
Collector - August 2017 - FYI
Collector - August 2017 - 9
Collector - August 2017 - Collection Tips
Collector - August 2017 - 11
Collector - August 2017 - Window of Opportunity
Collector - August 2017 - 13
Collector - August 2017 - 14
Collector - August 2017 - 15
Collector - August 2017 - 16
Collector - August 2017 - 17
Collector - August 2017 - A Rising Tide Lifts All Boats
Collector - August 2017 - 19
Collector - August 2017 - 20
Collector - August 2017 - 21
Collector - August 2017 - 22
Collector - August 2017 - 23
Collector - August 2017 - 24
Collector - August 2017 - 25
Collector - August 2017 - Setting Things in Motion
Collector - August 2017 - 27
Collector - August 2017 - Calendar
Collector - August 2017 - Honor Roll
Collector - August 2017 - 30
Collector - August 2017 - 31
Collector - August 2017 - ACA Members Contribute to Successful Collectors Challenge Month
Collector - August 2017 - 33
Collector - August 2017 - 34
Collector - August 2017 - 35
Collector - August 2017 - School Tides
Collector - August 2017 - 37
Collector - August 2017 - Finding Balance
Collector - August 2017 - 39
Collector - August 2017 - 40
Collector - August 2017 - 41
Collector - August 2017 - D.C. Circuit Court Holds Oral Argument in Appeal Over Constitutionality of CFPB
Collector - August 2017 - 43
Collector - August 2017 - Compliance
Collector - August 2017 - 45
Collector - August 2017 - ACA SearchPoint
Collector - August 2017 - 47
Collector - August 2017 - Last Word
Collector - August 2017 - Cover3
Collector - August 2017 - Cover4
http://online.collector.com/collectormagazine/201910/
http://online.collector.com/collectormagazine/201909/
http://online.collector.com/collectormagazine/201908/
http://online.collector.com/collectormagazine/201907/
http://online.collector.com/collectormagazine/201906/
http://online.collector.com/collectormagazine/201905/
http://online.collector.com/collectormagazine/201904/
http://online.collector.com/collectormagazine/201903/
http://online.collector.com/collectormagazine/201902/
http://online.collector.com/collectormagazine/201901/
http://online.collector.com/collectormagazine/201812/
http://online.collector.com/collectormagazine/201811/
http://online.collector.com/collectormagazine/201810/
http://online.collector.com/collectormagazine/201809/
http://online.collector.com/collectormagazine/201808/
http://online.collector.com/collectormagazine/201807/
http://online.collector.com/collectormagazine/201806/
http://online.collector.com/collectormagazine/201805/
http://online.collector.com/collectormagazine/201804/
http://online.collector.com/collectormagazine/201803/
http://online.collector.com/collectormagazine/201802/
http://online.collector.com/collectormagazine/201801/
http://online.collector.com/collectormagazine/201712/
http://online.collector.com/collectormagazine/201711/
http://online.collector.com/collectormagazine/201710/
http://online.collector.com/collectormagazine/201709/
http://online.collector.com/collectormagazine/201708/
http://online.collector.com/collectormagazine/201707/
http://online.collector.com/collectormagazine/201706/
http://online.collector.com/collectormagazine/201705/
http://online.collector.com/collectormagazine/201704/
http://online.collector.com/collectormagazine/201703/
http://online.collector.com/collectormagazine/201702/
http://online.collector.com/collectormagazine/201701/
http://online.collector.com/collectormagazine/201612/
http://online.collector.com/collectormagazine/201611/
http://online.collector.com/collectormagazine/201610/
http://online.collector.com/collectormagazine/201609/
http://online.collector.com/collectormagazine/201608/
http://online.collector.com/collectormagazine/201607/
http://online.collector.com/collectormagazine/201606/
http://online.collector.com/collectormagazine/201605/
http://online.collector.com/collectormagazine/201604/
http://online.collector.com/collectormagazine/201603/
http://online.collector.com/collectormagazine/201602/
http://online.collector.com/collectormagazine/201601/
http://online.collector.com/collectormagazine/201512/
http://online.collector.com/collectormagazine/201511/
http://online.collector.com/collectormagazine/201510/
http://online.collector.com/collectormagazine/201509/
http://online.collector.com/collectormagazine/201508/
http://online.collector.com/collectormagazine/201507/
http://www.nxtbookMEDIA.com