About ACA International: The Association of Credit and Collection Professionals

Who We Are

Founded in 1939, ACA brings together third-party collection agencies, law firms, asset buying companies, creditors, and vendor affiliates, representing more than 230,000 industry employees. ACA establishes ethical standards, produces a wide variety of products, services, and publications, and articulates the value of the accounts receivable management industry to businesses, policymakers, and consumers.

Training Zone

Our Vision


ACA International is the recognized thought leader, indispensable resource, and voice of the accounts receivable management industry.


ACA leads the accounts receivable management industry through education, advocacy, and resources designed to help members succeed.


Servant Leadership: Through proactive and responsive member engagement, ACA staff and volunteers serve the needs of members first in order to equip them for success.

Member Centric: We ensure that the association’s focus is designed to help all members succeed.

Integrity: We conduct ourselves ethically, responsibly, and honestly, with respect for all.

Advocacy: We influence positive change for the accounts receivable management industry through legislative, regulatory, and litigation reform at federal, state, and local levels.

Innovation: We continue to revolutionize our industry by promoting an environment of positive change through new ideas and forward-thinking.

Diversity: We know it takes people with different ideas, strengths, and interests to make our association succeed. We encourage healthy debate and differences of opinion.


Collectors Pledge

  • I believe every person has worth as an individual.
  • I believe every person should be treated with dignity and respect.
  • I will make it my personal responsibility to help consumers find ways to pay their just debts.
  • I will be professional and ethical.
  • I commit to honoring this pledge.

This pledge represents our members’ commitment to professionalism and ethical practices.

ACA Leadership and Committees

ACA is an association that is strengthened by input and support from a number of leadership groups, including the Board of Directors, the Council of Delegates, and our member committees. These groups are made up of highly involved members who wish to help ACA develop as an association and adapt to changing times and technologies. Our wide array of member committees give valuable insights and opinions to our company leadership to help move ACA forward.

ACA Governance

Encompassing the strategic direction, policies, and effective oversight that integrate all building blocks to achieve the association’s results.

Alliance ACA
Collectors Insurance Agency
Alliance ACA

ACA International Education Foundation

As a 501(c)(3), the ACA International Education Foundation is the philanthropic arm of the association. Supported by the generosity of ACA members through our Collectors Challenge Month and other activities, the foundation funds the annual Loomer-Mortenson Scholarship Program.

Know My Debt: Explaining Consumer Rights and Navigating Debt Solutions

The Know My Debt website is a resource for consumers who have questions about financial topics. It was developed by collection industry experts from across the country who serve on ACA’s Financial Literacy Committee. Know My Debt provides consumers with direct, consistent, and accurate information to help them understand their financial situation.

Know My Debt

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The content on this site is presented for educational, general reference, and informational purposes only; is not intended to serve as legal or other advice; is not intended to be a full and exhaustive explanation of the law in any area; and should not replace the advice of your own legal counsel. By continuing to use our site, you are agreeing to the legal disclaimers in our Terms of Use. Review our Terms of Use for more information.

Friendly Reminder

Get continued access to ACA International’s wide array of resources, which can help you become more profitable, compliant and successful.

Renew your membership today to take advantage of tools you won’t find anywhere else:

  • Discounts on seminars, products, services and events
  • Resources to strengthen your compliance department
  • Industry-specific risk management products and services
  • Participation in ACA’s online community, The Hub
    Members-only website content
  • Professional development and training opportunities, and so much more!