Collector - March 2021 - 20

ACA Resources

to Help You Keep Up with State Regs
Get Involved in Your State or Regional Unit
Find your unit and learn more: www.acainternational.org/units
ACA's Guide to State Collection Laws & Practices
Minimize your liability with a subscription to this guide, available in
print or electronic format with email monthly updates:
www.acainternational.org/shop
COVID-19 State Updates Chart
Up-to-date state law information to help you adapt:
www.acainternational.org/about/covid-19#chartedstateupdates
ACA SearchPoint
Dive into ACA SearchPoint documents on state laws:
www.acainternational.org/searchpoint
ACA Daily
Subscribe to get daily news updates:
www.acainternational.org/news/aca-daily

with a state law can result in liability under
various federal statutes, including the Fair
Debt Collection Practices Act.
Start by putting yourself in a position
to receive the latest regulatory news and
information. For many association members,
that means maintaining a close connection
with their state or regional ACA unit.
Ryan Matrisch, director of business
development for Pro Com Services of
Illinois Inc., said that his company relies
on the Great Lakes Credit and Collection
Association (GLCCA) to help them stay on
top of state regulations. " That's where we get
the majority of our information, along with
ACA, " he said. 
The GLCCA represents Illinois, Minnesota
and Wisconsin, giving members state-specific
insight into not only what's in place now, but
what could be on the horizon.

FIRSTPERSON

Advocating for Change in 2021: It Takes a Village
By Irene Hoheusle, IFCCE, CCCO

To be a part of the big picture, we must consistently stay involved
in national and state legislative issues that affect not only the
debt collection industry, but also our consumers and our
clients. Knowing where to concentrate grassroots efforts and what
to fight to change-or not change-is difficult, especially during the
COVID-19 pandemic. 
Some regulators and government officials have
tried to combine existing proposals that lacked support before
the COVID-19 pandemic with a new bill or rule. Some have
succeeded, and there will be more to come in 2021. 
For example, consider those of us that collect medical debt. Our
health care clients, though essential workers, have been faced with
huge expenses during the pandemic. If consumers' medical debt is
forgiven through legislation or executive orders, it will be even more
crucial for those clients and their third-party agencies to be able
to work with consumers who can afford to pay unresolved accounts. 
Smaller critical-access hospitals and doctor offices with limited
room and limited income, or those in rural areas helping COVID-19
patients, are especially in need. If we are unable to effectively collect
for these clients due to regulations or legislation passed this year,
it will affect all consumers. Other groups face similar fears, such as
restaurants and entertainment venues, among others.  

20

ACA International's advocacy team works diligently
to help ensure we do not end up with our hands tied and our
businesses put in danger when the dust settles. We should make it
our priority, as ACA members, to be a part of grassroots efforts on
issues that affect the ARM industry. There is power in numbers.
Informing your state legislators about the top issues that affect your
business is one way to encourage them to make changes at the state
or federal level. The only way they will understand the truth of the
situation is through our efforts to educate them about the impact of
their decisions. It's our responsibility to help with the effort
to stop bad legislation that will injure our clients, our industry and
eventually the consumer.   
With the new administration, we face more change. This is the
time to educate lawmakers and regulators and establish relationships
with state representatives so that you are respected and heard. Invite
your legislators to visit your office in person if possible or schedule a
virtual meeting so they can see the real people who work hard every
day. If you are not sure what to say, contact ACA for information and
advice. We can do this. After all, it takes a village!
Irene Hoheusle is vice president of collections and education at
Account Recovery Specialists Inc.

Ready to advocate for your business? Visit ACA's Advocacy Resource Center at 
www.acainternational.org/advocacy/advocacy-resources.
ACAINTERNATIONAL.ORG


http://www.acainternational.org/units http://www.acainternational.org/shop http://www.acainternational.org/about/covid-19#chartedstateupdates http://www.acainternational.org/searchpoint http://www.acainternational.org/news/aca-daily http://www.acainternational.org/advocacy/advocacy-resources http://www.ACAINTERNATIONAL.ORG

Collector - March 2021

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