| 词条 | ACA International |
| 释义 |
ACA's members are located throughout the U.S. and more than 60 countries. The organization represents more than 230,000 men and women who work in this field.[1] Industry overviewCollection agency services to their clients include billing, customer service, insurance verification, training, data clearinghouse services and debt purchasing. The public and private sectors rely on the recovery of consumer debt. If not repaid, it could destroy America's credit based economy; increase the price for goods and services to cover creditor losses; make credit more expensive and less available for consumers; put companies out of business as recovered debt used for rent, utilities, operations, salaries & benefits; and prompt governments relying on debt collections to increase taxes/cut spending to cover shortfalls. In 2010, third-party collection agencies recovered $54.8 billion on behalf of creditors, according to an economic impact survey conducted by Ernst & Young. These agencies help employ more than 300,000 employees with a payroll of $10 billion. In addition, third-party collection agencies contributed more than $85 million to charitable organizations and volunteered more than 650,000 hours in 2010.[2] As the trade association representing these businesses, ACA International lobbies for public policy favorable to its members, provides training and credentialing resources, establishes ethical standards and promotes the value of the industry to businesses, policymakers and consumers. ACA code of conductACA members agree to abide by a code of conduct. The code establishes standards of conduct for the industry. The code requires members to treat consumers with dignity and respect, and to appoint an officer with authority to handle consumer complaints.[3] Under the code, ACA ceased the practice of investigating consumer complaints against members. Now, it instead forwards the complaint to the company with no follow-up or investigation.[4] References1. ^{{Cite web|url=http://www.acainternational.org/about.aspx|title=ACA International|last=|first=|date=|website=|publisher=|access-date=}} 2. ^{{cite web|title=Impact of Third-Party Debt Collection on the National and State Economies|url=http://www.acainternational.org/economicimpact.aspx|publisher=ACA|accessdate=19 March 2014}} 3. ^{{Cite web|url=http://www.acainternational.org/about-aca-international-code-of-conduct-12909.aspx|title=ACA Code of Conduct|last=|first=|date=|website=|publisher=|access-date=}} 4. ^{{Cite journal|last=|first=|date=2012|title=Dumping the Fair Debt Collection Practices Act|url=http://www.jtexconsumerlaw.com/Debt12.pdf|journal=Journal of Consumer and Commercial Law|volume=|issue=|doi=|pmid=|access-date=}} External links
2 : Collection agencies|Industry trade groups based in the United States |
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