Opinion No.

Ms. JoAnn C. Quirk, Director State Board of Collection Agencies 523 South Louisiana, Suite 402 Little Rock, AR 72201

Dear Ms. Quirk:

This is in response to your request for an opinion on A.C.A. § 4-60-103 and other matters. Somewhat restated, your questions are as follows:

1. What is the maximum amount that a collection agency may charge for collecting checks on behalf of a merchant and what costs are included in collection costs?

2. Is proof of mailing a demand letter certified mail return receipt requested sufficient to show liability for twice the amount of the insufficient check or must…