New Library Fine Policy Involves Collection Agency
If you owe $10 in fines to the Anne Arundel County Public Library system for more than 45 days, a collection agency will be contacting you.
Do you have outstanding library fines? You might want to pay them before a collection agency contacts you on behalf of the Anne Arundel County Public Library system.
Borrowers currently owe about $750,000 in fines, according to Anne Arundel County library spokeswoman Laurie Hayes.
Look under your kids' beds, check the back of the van or behind the couch and gather all your library materials because if you owe more than $10 in fines—they will make you pay.
County libraries are instituting a new system for dealing with fines starting July 18. If your account balance is $10 or more, you will be referred to Unique Management Services Inc. to collect on the debt.
According to the new policy, there will also be other consequences for owing fines:
- A $5 (for balances under $25) or $20 service charge will automatically be added to your account balance.
- Your library account may be blocked from renewing online or checking out new materials.
“This is just another one of our efforts to not only collect fines, which we certainly do, but we want to get the materials back,” said Hayes.
If after reading this, you are suddenly thinking of all the places your children have stashed library books and are in a panic—relax. The library will take many steps to help before the collection agency contacts you.
“People will get a lot of warnings,” Hayes said. “You have to owe more than a $10 fine for over 45 days and have made no good faith effort to settle your account before you will be contacted by an agency.”
If you are signed up for email alerts the library, you get a message right before your books are due, another one after you have incurred a fine, and a few more after that. According to Hayes, you get a written letter in the mail if you still don’t pay your fine.
“After we do everything we normally do for 45 days, we will be turning over your account to a collection agency,” Hayes said. “Our main priority is to have people return materials in a timely fashion.”
Hayes said it is not the library system's intent to fine all of its patrons, and expressed that there are many ways to avoid fines.
“We are just encouraging people to return their materials,” she said. “The fines are something we count on in the revenue side; however, we are not looking for a way to charge our customers. If you follow all borrowing guidelines, then you won’t have a fine. We don’t feel like we are just levying fines on people because there are plenty ways to keep from incurring a fine.”
In order to avoid these fines, the library suggests you keep track of the due dates for your items. Note that your account is accessible by phone and online.
For complete details on the new policy, visit the library's website.
Stephanie
7:25 am on Thursday, June 28, 2012
Don't trust the good faith. I have been paying down a debt on a video that I found after it was lost during a move and they still sent it to collections a week after I paid most of it off.
Jenni Pompi
8:30 am on Thursday, June 28, 2012
Do you think this policy may discourage people from frequenting the public library?
Kevin Brennan
8:57 am on Thursday, June 28, 2012
NO! For goodness sake just return what you borrowed!
Eric Smith
8:56 am on Thursday, June 28, 2012
Great. People getting their credit ruined over $10 collections. I'm not kidding. If you get a collection on your credit report over a lost book, you are looking at a 100-200 point credit hit over 7 years. Their current method of if you have a fine, you can't borrow is sufficient.
Brian
10:13 am on Thursday, June 28, 2012
Accountability !!!! wow really. People should pay for their actions. ...or lack of in this case. Pay the $10!!!
Kevin Brennan
8:57 am on Thursday, June 28, 2012
NO! For goodness sake just return what you borrowed!
Leslie Brown
9:36 am on Thursday, June 28, 2012
I imagine a fee needs to be payed to the collection agency, so I wonder how much of the fine the Library actually nets. The article states that an account "may" be blocked for overdue books and fines - I think accounts should be blocked as soon as a $10 fine is acquired.
Eric Smith
6:17 am on Friday, June 29, 2012
To those who think sending minor fines to collections which will result in ruined credit for seven years is fair and reasonable. I would suspect the majority of delinquent accounts are due to the library having incorrect contact information in their database. With that, people might not even know they returned Johny's book a week late. So they won't even know that their account has gone to collections, because the collection agency won't be able to reach them. If you even have a $10 collection on your credit report, your credit score goes down 100-200 points. This will cost you 10's or even 100's of thousands of extra borrowing fees on a mortgage. The best part is that it will take 7 years for you to wait for it to get off of your credit report. My credit is perfect, I am not going to risk a minimum wage clerk at the library failing to check n my book, ruining my financial life. I will never return to the Anne Arundel County library.
Susan Moran
2:07 pm on Friday, June 29, 2012
That's a very nice attitude you have, Mr. Dustin Winston. Instead of thinking of ways to avoid the fines, such as returning your items on time so that other library patrons may avail of them, you choose instead to shun the library. Well I hope you can buy all the books, newspapers and magaznines you want to read; all the DVD's you want to watch. I hope that if you are able to find all the information that you will ever need in your lifetime. If you have children, I hope they are able to do all their homework and research from home. And if you have acess to the Internet from home, I hope you will never be in need of the free services the library has to offer through their webpage. And I also hope that you will never be in need of the various programs and services that the library offers to all ages for free.