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When we obtain your debt, it has already gone through the bank or finance company's own in-house collection department and usually has been sent to 2 or more collection agencies but for whatever reason the account remains unpaid. In most cases a judgment has not yet been obtained on the account. Our job is to see that the debt is settled in a manner that everyone can live with - you, your original creditor and us. By working with you we sincerely hope that can be the case.

With a wealth of experience in the debt resolution industry, ARA is a leader in finding workable solutions for resolving your specific bill. In a nutshell, we purchase outstanding debt from major banks and credit card companies that for one reason or another were never paid. Chances are, if your reading this, yours is one of those debts. But here’s the good news. After years of working with consumers like you, we have come to understand that in most cases bills go unpaid because financial circumstances make it difficult if not impossible to pay at the time. Most people don’t get credit cards with the intention of charging up the bill and walking away. And if you are like most consumers in this situation, you want to get out from under this bill, without going broke to do it.

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