ACA International

ACA International, formerly American Collectors Association, is a trade group located in the United States representing collection agencies, creditors, debt buyers, collection attorneys and debt collection industry service providers. The organization was founded in 1939 as the American Collectors Association and changed its name to ACA International in 2001. ACA is based in Minneapolis, Minnesota and Washington, D.C.

ACA's members are located throughout the U.S. and more than 60 countries. The organization represents more than 350,000 men and women who work in this field.

Industry overview

Collection 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.