{"data":{"id":"us-ar/ark.-code-ann.-17-24-509","jurisdiction":"us-ar","citation":"Ark. Code Ann. § 17-24-509","heading":"Multiple debts","body":"If a consumer owes multiple debts and makes a single payment to a debt collector with respect to the debts, the debt collector may not apply the payment to a debt that is disputed by the consumer and, if applicable, shall apply the payment in accordance with the consumer's directions.","path":["AR Code","Title 17","Chapter 24","Subchapter 5"],"source_url":"https://oss-data-us.vaquill.ai/v2026.08/us_ar_statutes.parquet","current_through":"2026-08-14","vintage":"open-us-law v2026.08, retrieved 2026-09-14","retrieved_at":"2026-09-14T18:32:41Z","sha256":"6c96b8127c0aa7e782be0cc46c6e0f3aa988dbf73f47e60da475c97b39005c20","source_id":"us-ar","stale":false,"prev":"us-ar/ark.-code-ann.-17-24-508","next":"us-ar/ark.-code-ann.-17-24-510"},"notice":"GroundRules: Original legal text. Not legal advice."}