J.C. Christensen & Associates: Federal Debt Collection Regulations

Dedicated to following best practices in debt collection, J.C. Christensen & Associates, Inc., ensures up-to-date familiarity with all state and federal regulations relevant to its industry. The company complies with all regulations set forth by the Minnesota Attorney General, as well as by the federal Fair Debt Collection Practices Act. It employs a full-time compliance director and has ACA certified trainers on-site.

Enacted in 1978, the Fair Debt Collection Practices Act (FDCPA) regulates the activity of third-party debt collectors. Its most critical components include a series of ethical guidelines that have been made mandatory for all collection agencies in the United States.

J.C. Christensen & Associates’ agents are required to attend training during which the FDCPA is covered in detail. FDCPA-related subjects are covered using ACA-supplied materials: first the FDCPA course and then Professional Telephone Collection Techniques. Also covered during training are HIPAA, FCRA, TCPA, and other regulations relevant to J.C. Christensen & Associates. New Agents’ are tested on their knowledge of the FDCPA before they are allowed to begin work.

J.C. Christensen & Associates is certified through the ACA International’s (ACA) Professional Practices Management System (PPMS), a designation achieved by less than two percent of collection agency vendors in our industry. PPMS was developed specifically for the credit and collections industry and requires participating companies to develop, implement, and adhere to professional practices and policies. J.C. Christensen & Associates has implemented PPMS throughout its entire operations, including project management and implementation.


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