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Debt collection
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====Voluntary standards==== In addition to state and federal laws, many U.S. collection agencies belong to [[trade association]] called [[ACA International]] and agree to abide by its code of ethics as a condition of membership. ACA's standards of conduct require its members to treat consumers with dignity and respect, and to appoint an officer with sufficient authority to handle consumer complaints. Consumers may attempt to resolve disputes with a collection agency who is a member of ACA through that organization's consumer complaint resolution program.
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