Ark. Code § 17-24-509
Current with legislation from 2024 effective through May 3, 2024.
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.
Ark. Code § 17-24-509