Rozanne M. Andersen

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  www.gazette.com/articles/debt_43028___article.html/comp - [Cached Version]
  Published on: 11/7/2008    Last Visited: 11/9/2008  

  Rozanne Andersen, general counsel of ACA International, a trade association for debt collectors, chalked up much of the increase in complaints to America's growing debt problem.
  
  According to the Federal Reserve, American consumers now owe around $969 billion in revolving debt - the type of debt that people have on their credit cards - compared with $770 billion in 2003.
  
  About 4.5 percent of all bank-issued consumer credit cards were delinquent in the second quarter of 2008, versus 2.4 percent in 1990, according to the American Bankers Association.
  
  "There has been a tremendous increase in the volume of bad debts," Andersen said.

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  www.omaha.com/index.php?u_page=1118&u_mod=&u_sid=104737 - [Cached Version]
  Published on: 10/30/2008    Last Visited: 10/30/2008  

  Rozanne Andersen, general counsel of ACA International, a trade association for debt collectors, chalked up much of the increase in complaints to America's growing debt problem.
  
  According to the Federal Reserve, American consumers now owe around $969 billion in revolving debt - the type of debt that people have on their credit cards - compared with $770 billion in 2003.
  
  Some 4.5 percent of all bank-issued consumer credit cards were delinquent in the second quarter of 2008, versus 2.4 percent in 1990, according to the American Bankers Association.
  
  "There has been a tremendous increase in the volume of bad debts," Andersen said.

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  www.prweb.com/releases/ACA/International/prweb841254.ht - [Cached Version]
  Published on: 4/14/2008    Last Visited: 4/14/2008  

  "Credit is the basis of our economy, and it gives people great opportunities to buy homes, earn college degrees and start businesses," said Rozanne Andersen, executive vice president and general counsel for ACA International.

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  www.acainternational.org/?via=sitesearch&cid=5482 - [Cached Version]
  Published on: 3/2/2007    Last Visited: 3/2/2007  

  Rozanne Andersen, CAE
  
  General Counsel Senior Vice President Legal & Government Affairs
  ...
  Rozanne M. Andersen is a 1983 graduate of the William Mitchell College of Law, St. Paul, Minn., and is the General Counsel and Senior Vice President of Legal & Government Affairs for ACA International.
  
  Now in her 23rd year of practice, Andersen is a member of the senior management team of ACA International and performs or directs all legal activities of ACA International and its subsidiaries.She is responsible for monitoring case decisions and legal developments that impact the credit and collection industry in all 50 states.She oversees and directs the legislative, regulatory and compliance activities of the association at both the federal and state level and serves as the legal advisor to the ACA Board of Directors, the ACA Executive Committee and the ACA Legal Defense Litigation Fund.She also serves as a member of the ACA International Foundation Board of Directors.
  
  She is a nationally recognized speaker and published author on such topics as:
  ...
  Andersen was named by Minnesota Lawyer as Attorney of the Year for 2004 for excellence in providing in-house legal services.
  
  Andersen is a Certified Association Executive, a certification offered to qualified individuals by the American Society Association of Executives.She is a member of the Association of Corporate Counsel, the Minnesota State Bar Association, the Hennepin County Bar Association and is licensed to practice law in the state of Minnesota.Now in her ninth year at ACA, she supervises a 15-member legal and government affairs department.

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  www.startribune.com/business/27314379.html?elr=KArksLck - [Cached Version]
  Published on: 8/24/2008    Last Visited: 8/24/2008  

  "I don't know what else we can do, other than to make [the default judgment papers] pink," said Rozanne Andersen, general counsel for the Edina-based Association of Credit and Collection Professionals (ACA), a national trade group for the collection industry.
  ...
  Andersen of the ACA proposes a simple fix: Exempt funds could be separated from other funds in low-cost accounts modeled after bank accounts for minors.

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  sjglover.com/blog/?cat=15 - [Cached Version]
  Last Visited: 5/10/2007  

  Rozanne Andersen of ACA International, however, would like you to know that "the vast majority of debt collectors follow the law and that the image of the bullying, abusive collector is an old stereotype.According to Anderson, "A debt collector is not the enemy of the consumer.His or her job is to help find a solution and help the person figure out a way to pay the debt."
  
  Ms. Andersen must be well paid.More on ABC's findings, including collection call transcripts, after the jump.
  
  Read the rest of this entry »

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  seattlepi.nwsource.com/money/354256_singletary08.html - [Cached Version]
  Published on: 3/8/2008    Last Visited: 3/8/2008  

  "We do not believe the debt collection industry is out of control," said Rozanne Andersen, executive vice president and general counsel for ACA International, the Association of Credit and Collection Professionals.

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  www.evansnationalbank.net/?story=Overdue%20Tax%20Bill?% - [Cached Version]
  Published on: 4/18/2005    Last Visited: 9/3/2006  

  Rozanne Andersen, general counsel and senior vice president of legal and government affairs for ACA International, the Association of Credit and Collection Professionals, views the IRS program as an opportunity for debt collectors to earn some long-overdue respect.
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  I think there is a general malaise on the part of the taxpaying public, and they believe it is highly unlikely that that IRS will follow up and audit you, says Andersen.

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  www.southernillinoisan.com/articles/2008/09/24/lifestyl - [Cached Version]
  Published on: 9/1/2008    Last Visited: 9/25/2008  

  "Consumers need to be able to communicate in a safe environment with debt collectors," said Rozanne Andersen, general counsel for the national trade group the American Collectors Association, based in Edina, Minn.
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  The association also investigates ethics complaints about its members because there is a "very, very real need for debt collectors to take the public's perception of the industry very seriously," Andersen said.
  
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  features.us.reuters.com/entrepreneur/news/09546662-3BC4 - [Cached Version]
  Last Visited: 10/3/2008  

  Still the draconian stereotypes associated with collection agencies don't necessarily hold true anymore, says Rozanne Andersen, executive vice president and general counsel for the Minneapolis-based American Collectors Association, a trade group representing collections agencies.Rather than giving customers an ultimatum, agencies are often charged with working out more flexible terms, so that everyone gains.
  
  "The name of the game now is that debt collectors are more in the business of assisting people with arranging a payment plan," she says.Collection agencies must adhere to a host of strict practice guidelines set by individual states, and depending on the type of account, by the federal government.
  
  If they're going after a consumer account, for instance, they are governed by the Fair Debt Collection Practices Act.Fees vary, but most often third-party collection services call for the client to give up a percentage of the face value of debt from the company's customer, contingent upon payment.That amount depends largely on the time spent pursuing the account, but often ranges from 20 to 30 percent, according to Andersen.
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  Andersen stresses the need to find an agency that is a good match for a company's culture, its line of business and employees, and advocates taking a hands-on approach to the agency's work.Her trade association website, http://www.acainternational.org/, is one place to begin a search."You control the relationship between the collectors and the customers," Andersen says.

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