ACA International

ACA International

ACA International

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ACA International is the largest trade group 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 International is based in Minneapolis, Minnesota.

ACA's 3,200 collection agency members in the U.S. and 55 countries abroad collect delinquent debts on behalf of their clients from both consumers and businesses. Other ACA membership divisions include creditors' internal collection staff, or "first-party collectors", and attorneys who represent ACA member companies in litigation or collect debt using the remedies of the legal system. The organization has a total of about 5,500 member firms and organizations.

Industry overview

The collection industry has grown rapidly since the 1980s as data processing and telecommunications technology has contributed to gains in worker productivity and the world economy has fallen into general disrepair. The democratization of credit, heavier consumer borrowing, the rise of debt buying and the outsourcing of back office functions by creditors are trends that contributed to 500% growth in industry revenues in the past 20 years, according to industry analysts. Modern collection agencies may provide diverse services to their clients, including...
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