- (a) Agency name. A collection agency shall use only its name or trade style exactly as it appears on its license when attempting to collect a debt.
(b) Debtor workplaces. Pursuant to Arkansas Code § 17-24-307, no licensee shall address a letter to or telephone any debtor at his or her place of employment unless:
- (1) A good faith attempt has been made to contact the debtor by mail at his or her home; and
- (2) The mail has not been returned and no answer has been received.
(c) Disclosure. Pursuant to Arkansas Code § 17-24-508, when an agency communicates with a debtor, the agency must disclose:
(1) In a written or telephone communication, the:
- (A) Specific reason for the communication;
- (B) Name of the creditor;
- (C) Licensed name of the agency;
- (D) Date of communication in written communication; and
- (2) In oral communication, the identity of the collector making the contact.
(d) Prohibited activities. A licensee shall not engage in any of the practices or activities prohibited by Arkansas Code § 17-24-101 et seq., including but not limited to:
- (1) Harassment or abuse;
- (2) False or misleading statements;
- (3) Unfair practices;
- (4) Improper communication with a consumer/debtor; and/or
- (5) Other prohibited behavior or actions such as those set forth in Arkansas Code §§ 17-24-307 and 17-24-503 et seq.