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On November 11, 2025, Arkansas debtors and creditors saw significant changes in debt collection laws that could impact how debts are managed and collected in the state. The new laws aim to provide more protection for debtors while also giving creditors more tools to collect unpaid debts.One major change in the law is the implementation of a debt collection agency licensing requirement. Debt collection agencies operating in Arkansas will now need to obtain a license from the state in order to engage in collection activities. This is intended to ensure that debt collectors are following state and federal laws when pursuing debts from consumers.Additionally, the new laws include restrictions on the types of communication debt collectors can have with debtors. For example, debt collectors are now prohibited from contacting debtors at unreasonable times or using abusive language when communicating about a debt. These measures are designed to protect consumers from harassment and unfair practices in debt collection.On the creditor side, the new laws also provide enhanced tools for collecting debts. One key change is the ability for creditors to request wage garnishments for unpaid debts. This means that creditors can now seek court orders to have a portion of a debtor's wages withheld to pay off a debt. This can be a powerful tool for creditors seeking to recover unpaid debts.Overall, these changes in debt collection laws in Arkansas are designed to strike a balance between protecting debtors from abusive practices while also giving creditors the means to collect debts that are rightfully owed. It is important for both debtors and creditors to familiarize themselves with these new laws to ensure compliance and fair treatment in debt collection practices.