Pratt’s State by State Debt Collections

The information you need to make good debt collection decisions

Author: Randolph C. Houts
Format: 3 Ring Binder with CD
Frequency of Update: 2 updates annually
Price: $525
Plus shipping and handling.
Sales Tax: for NY, TX, DC, CT orders only.

About Your Subscription

You can review this product for 30 days. Your annual subscription includes published updates at no additional charge for the 12 month subscription period. At least 2 updates are expected. If you cancel your subscription within 30 days of receipt, you will receive a full credit upon return of the product together with a request for cancellation.

Pratt’s State by State Debt Collection will aid you in the decision-making process for debt collection. One of the first decisions you must make is often whether your institution can handle the collection process in-house or whether you need to go outside for collections. This manual can help you throughout the debt collection process and will help you keep your money from going to a collection agency or outside legal counsel to pay for services that might not be needed.

This manual contains a plain-language summary of recurring issues for consumer collection activities or legal action in another state. Armed with the guidelines of this manual, you can make good decisions about issues such as, when to sue a debtor, how to retrieve impounded vehicles, when to seek local counsel, and the like.

Topics covered in Pratt’s State by State Debt Collection include the following:

Judgment Life
Judgment Renewal
Wage Garnishment
Towing, Storage, and Repair Liens on Autos
Lien Priority and Lien Sales
Auto Repossession and Redemption
Restrictions on Auto Deficiency Balances
Sale of Auto Collateral
Real Property Foreclosure
Unique Business Loan Remedies
State Fair Debt Collection Practice Laws
And More!

About the Author

Randolph C. Houts is the editor of Pratt’s State by State Debt Collections. He is the owner of Randolph C. Houts and Associates, a firm that represents financial institutions in collections and creditor bankruptcy proceedings. Houts has taught and worked in the area of debt collections for more than 20 years. He was the managing partner for Houts, Bot, & Barnes and a litigator with Sullivan, Delafield, McDonald, and Middendorf, two firms which represented individual and business creditors in financial litigation, collection, foreclosure, and bankruptcy. He also has served as the associate general counsel and director of human resources for a mortgage banking company.

Houts received his Bachelor of Science Degree from San Diego State University. He has a Juris Doctor Degree from the University of San Diego School of Law. Houts is a member of the California Bar Association and the National Association of Development Companies (NADCO). NADCO works closely with the United States Small Business Administration (SBA) to ensure that SBA 504 program regulations are useful and appropriate, benefit small business borrowers, and afford reasonable compliance for certified development companies and investors who purchase SBA loans. Houts is one of a select group of attorneys certified to conduct closings and approve SBA real property secured loans for funding.