State and Statute of Limitations Configuration

This guide outlines the process of configuring state or territory-specific settings in ACE to accommodate location-specific rules.

State Setup Overview:

ACE allows you to configure various settings at the state or territory level. These settings include:

1. Contact Window Settings

2. Regulation Pop-Up Window Text

3. Service Fees

4. Statutes of Limitations

State Setup

To configure state or territory-specific settings in ACE to adhere to location-specific rules, follow these steps:

1. Access Setup → States → States and click New.

2. Create a label and identifier for the state  (Use "DEFAULT" to represent all states/territories).

3. Click Apply.

Contact Window Override

• ACE tracks and limits contacts within a specified window of days.

• Default settings are in Setup → Compliance → Settings. Refer to Compliance Page for details.

• State-specific limitations are set up individually for each state.

Configuration Steps:

1. Set up the state first.

2. Populate fields in the Contact Window Override section as required, leaving fields blank to apply default settings.

Fields in the Contact Window Override Section:

State Regulation Pop-Ups:

You can configure regulation pop-ups for agents based on the primary demographic address location.

Steps to Create a New Regulation Pop-Up:

1. Go to Setup → States → States and select the state.

2. In the State Regulations section, click New.

3. Enter applicable text for the pop-up window.

4. Save your changes.

Service Fees:

ACE allows you to set up service fees for credit card and ACH transactions.

Steps to Create a New Service Fee:

1. Go to Setup → States → States and select the state.

2. In the Payment Fees section, click New.

3. Select the payment destination and enter the fee.

4. Configure flat rate or percentage-based fees as needed.

5. Click Save.

Note

The ‘Return Check Fee’ fields require custom work. Reach out to Support for assistance to setup.

Statute of Limitations (SOL):

ACE enables you to configure statutes of limitations at the state level.

Steps to Create a New Statute of Limitations:

If applicable, create SOL Account Types. Refer to Statute of Limitations (SOL) Configurations for details.

1. Go to Setup → States → States and select the state.

2. In the Statute of Limitations section, click New.

3. Configure SOL rules based on account type and account value.

4. Check boxes to reset SOL with payments if needed.

5. Add Payment Revival Disclosure if needed.

6. Click Save.

Payment Revival - After SOL Disclosure

When configured with Payment Revival - After SOL, this notification will appear. It also works in VA 2.0, where the disclosure will pop up when the consumer makes a payment or creates a payment plan.

Please Note: the “Payment Revival - After SOL Disclosure” will be displayed even if the first date of the plan is in the future. The revival won’t occur until the payment is initiated.

Statute of Limitation Fields

This notification will appear when configured with Payment Revival - After SOL (Resets the age if a payment is posted after the SOL Date.)

It also works in VA 2.0, where the disclosure will pop up when the consumer makes a payment or creates a payment plan.

Warning

Changes to statutes of limitations may not automatically apply to existing accounts. Create an action path and add the "Evaluate Statute of Limitations" flow action to apply changes to affected accounts.