When chief financial officers, attorneys and business owners focus on debt collection - both consumer and business debts - their overall concern can be generally summarized in two short sentences: "What can I do legally?" and "Where do I find the answer?" Aspen Publishers' Complete Guide to Credit and Collection Law, - 2012 Edition is a comprehensive effort to answer these questions.

Recent years have produced as many significant changes in the credit and collection industry as Sarbanes-Oxley produced in Wall Street. Five separate and distinct types of legislation have emerged from Congress, all of which will impact not only on the extension of credit, but also on the collection of debts.

The new, completely updated 2012 Edition contains the following:

• In-depth analysis of stale, unsigned, bounced, post dated, stop payment, certified and cashiers’ checks
• New laws passed in 2010 and 2011
• Preventing foreclosures and enhancing mortgage credit
• Credit Card Accountability, Responsibility and Disclosure Act
• Consumer laws of New York City
• Article entitled “Foreclosing on a Mezzanine Loan”
• Commercial Arbitration Rules of the AAA
• Reaffirmation agreements
• Amended Fair Credit Reporting Act
• An article on “Electronic Discovery Agreements”
• Title X of the Consumer Financial Protection Act of 2010

Only Complete Guide to Credit and Collection Law, 2012 Edition will help you raise collection rates and reduce costs, while making certain you always remain in compliance. Updated yearly and packed with useful tips and tools, this thorough guide is recognized as the industry’s most comprehensive reference manual. Complete Guide to Credit and Collection Law, 2012 Edition is immediately applicable in real-world situations, providing:

• Annual updates to keep you apprised of new laws, judicial decisions & hot topics
• Clear explanations of the key laws that affect credit and collection
• Easy-to-read summaries/Plain-English explanations
• Practical credit-risk guidelines–Practice Tips
• Appendices containing the actual laws, and case excerpts that you need to make informed business decisions, including:
  surveys of laws governing commercial collection, Regulation M—consumer leasing, meaningful involvement under FDCPA, and Regulation Z and Revised Article 9 of the UCC.