Collector - December 2017 - 3
VICE PRESIDENT, COMMUNICATIONS
Anne Rosso May
The YGS Group
Collector is published monthly
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Compassion and Preparedness
Need to be Our Hallmark
ACA International members are quick to step up to help those in need.
By Rick Perr, Esq.
he events of the late summer and early fall remind us of the fragility of the
cocoons in which we live. Devastating weather events in Texas, Florida
and Puerto Rico wreaked havoc and permanently altered the lives of many
Americans. ACA International members saw their businesses disrupted, their employees
harmed and their communities suffer.
I am very proud of the way the membership of our association reacted to these tragic events.
Many provided assistance in the form of money, supplies, accommodations and manpower. I
observed state units send donations to other state units to help those severely affected. Just a
few of these member efforts are detailed on page 6.
For our members in the eye of the storm, and for those members not affected, these
unexpected events serve to educate ourselves to expect the unexpected. We need to be
prepared for these contingencies.
From creating comprehensive disaster plans to acquiring business interruption
insurance, modern businesses cannot stick their heads in the sand and pray that such
events do not occur to them. You have employees who count on you to make sure that
your doors are open so they can continue to provide for themselves and their families. You
have clients that also expect nothing less.
You need to be prepared to continue to operate in the event that your business' physical
presence ceases to exist or is unavailable-remote call centers, account information stored in
secured, cloud-based servers and remote access to these items. With today's technology, you
would be remiss to ignore these options, and doing so could be the difference in recovering
from tragedy or succumbing to it.
We also must be mindful of those outside our industry impacted by these events. Picture a
family trying to focus on getting its life back in order and receiving calls regarding outstanding
obligations. No matter how good their intentions in repaying the obligation, it cannot be
expected that such repayment is their focus at that point. We need to be compassionate and
reflect on whether making calls into affected areas will be fruitful or harmful.
While these decisions vary from business to business, and your association cannot dictate
your company policy, I urge you to consider formulating internal policies regarding your
company's communication with consumers in areas affected by natural disasters. To hear how
some ACA members handle post-disaster communication, I encourage you to read "Lines of
Communication" on page 26 of this issue.
ACA members continue to be shining examples to the rest of country. Keep up your good work.
Rick Perr, Esq.
is a partner at the firm Fineman,
Krekstein and Harris, P.C., in
Philadelphia. He can be reached
©2017 ACA International. All rights reserved. Materials
may not be reproduced without written permission.
Table of Contents for the Digital Edition of Collector - December 2017
Taking a Layered Approach
Lines of Communication
CFPB Issues Final Rule for Small Dollar Lending Market
Ask the Experts: Training Advice
Court Rules Voicemail is a “Communication" and Disclosing Name of Collection Agency Provides “Meaningful Disclosure” Under FDCPA
Collector - December 2017 - Cover1
Collector - December 2017 - Cover2
Collector - December 2017 - 1
Collector - December 2017 - 2
Collector - December 2017 - President’s Page
Collector - December 2017 - Industry News
Collector - December 2017 - 5
Collector - December 2017 - 6
Collector - December 2017 - 7
Collector - December 2017 - Best Practices
Collector - December 2017 - 9
Collector - December 2017 - FYI
Collector - December 2017 - 11
Collector - December 2017 - Collection Tips
Collector - December 2017 - 13
Collector - December 2017 - Stronger Together
Collector - December 2017 - 15
Collector - December 2017 - 16
Collector - December 2017 - 17
Collector - December 2017 - 18
Collector - December 2017 - 19
Collector - December 2017 - Taking a Layered Approach
Collector - December 2017 - 21
Collector - December 2017 - 22
Collector - December 2017 - 23
Collector - December 2017 - 24
Collector - December 2017 - 25
Collector - December 2017 - Lines of Communication
Collector - December 2017 - 27
Collector - December 2017 - 28
Collector - December 2017 - 29
Collector - December 2017 - 30
Collector - December 2017 - 31
Collector - December 2017 - 32
Collector - December 2017 - 33
Collector - December 2017 - Calendar
Collector - December 2017 - Honor Roll
Collector - December 2017 - Collective Intelligence
Collector - December 2017 - 37
Collector - December 2017 - CFPB Issues Final Rule for Small Dollar Lending Market
Collector - December 2017 - 39
Collector - December 2017 - Ask the Experts: Training Advice
Collector - December 2017 - 41
Collector - December 2017 - Court Rules Voicemail is a “Communication" and Disclosing Name of Collection Agency Provides “Meaningful Disclosure” Under FDCPA
Collector - December 2017 - 43
Collector - December 2017 - Compliance
Collector - December 2017 - 45
Collector - December 2017 - ACA SearchPoint
Collector - December 2017 - 47
Collector - December 2017 - Last Word
Collector - December 2017 - Cover3
Collector - December 2017 - Cover4