Ark. Code Ann. » Title 17 Chapter 24
Arkansas Code Annotated

Ark. Code Ann. § 17-24-505 (2026)

Harassment or abuse

✓ current as of May 2026
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  1. A debt collector may not engage in a conduct the natural consequence of which is to harass, oppress, or abuse a person in connection with the collection of a debt.
  2. Without limiting the general application of subsection (a) of this section, the following conduct is a violation of this section:
    1. The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of a person;
    2. The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader;
    3. The publication of a list of consumers who allegedly refuse to pay debts, except to a consumer reporting agency or to persons meeting the requirements of 15 U.S.C. § 1681a(f) or 15 U.S.C. § 1681b(3), as they existed on January 1, 2009;
    4. The advertisement for sale of a debt to coerce payment of the debt;
    5. Causing a telephone to ring or engaging a person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass a person at the called number; or
    6. Except as provided in § 17-24-503, the placement of telephone calls without meaningful disclosure of the caller's identity.

History. Acts 2009, No. 1455, § 1.

Notes of Decisions
Cited in 4 cases, 2013–2019 · leading case: Humes v. LVNV Funding, L.L.C. (In re Humes), 496 B.R. 557 (Bankr. E.D. Ark. 2013).
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Humes v. LVNV Funding, L.L.C. (In re Humes), 496 B.R. 557 (Bankr. E.D. Ark. 2013). “V is vicariously liable for Hosto’s violations of the following AFDCPA provisions: § 17-24-506(a) (prohibiting debt collectors from using “a false, deceptive, or misleading representation or means in connection with the collection of a debt”); § 17-24-507(a) (prohibiting a debt…”
Wilder v. Credit Control Co. Inc (E.D. Ark. 2019). · cites it 4× “§§ 1692d, 1692d(2), 1692e, 1692e(5), 1692(e)(1), and 1692g and under Arkansas Code Annotated §§ 17-24-505(a), 17-24-505(b)(2), 17-24-506(a), 17-24-506(b)(5), 17-24-506(b)(1), and 17-24-508(a).”
Waddell v. Transworld Sys., Inc. (W.D. Ark. 2019). “§ 17-24-505 (a). Additionally, the AFDCPA prohibits the use of “false, deceptive, or misleading representation or means in connection with the collection of a debt.”
Bugg v. Midland Funding, LLC (W.D. Ark. 2019). “Specifically, Plaintiffs allege Midland violated § 17-24-505(a) (prohibiting action or conduct the natural consequence of which is to harass, oppress and/or abuse) and § 17-24-506(a) (prohibiting the use of false, deceptive or misleading means) in its attempts to collect the…”
Ark. Code Ann. § 17-24-505(a): 3 cases
Humes v. LVNV Funding, L.L.C. (In re Humes), 496 B.R. 557 (Bankr. E.D. Ark. 2013). “V is vicariously liable for Hosto’s violations of the following AFDCPA provisions: § 17-24-506(a) (prohibiting debt collectors from using “a false, deceptive, or misleading representation or means in connection with the collection of a debt”); § 17-24-507(a) (prohibiting a debt…”
Wilder v. Credit Control Co. Inc (E.D. Ark. 2019). “§§ 1692d, 1692d(2), 1692e, 1692e(5), 1692(e)(1), and 1692g and under Arkansas Code Annotated §§ 17-24-505(a), 17-24-505(b)(2), 17-24-506(a), 17-24-506(b)(5), 17-24-506(b)(1), and 17-24-508(a).”
Bugg v. Midland Funding, LLC (W.D. Ark. 2019). “Specifically, Plaintiffs allege Midland violated § 17-24-505(a) (prohibiting action or conduct the natural consequence of which is to harass, oppress and/or abuse) and § 17-24-506(a) (prohibiting the use of false, deceptive or misleading means) in its attempts to collect the…”
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