Welcome to the Frequently Asked Questions (FAQ page). Below, we have tried to answer the most common questions visitors to our Web site may have. If you find that your question is not answered on this page, please E-mail us at ARA@ARAINC.US or call us during [BUSINESS HOURS] 8am – 5pm at 888-409-5060.
Q: What rate of Interest has been accruing on my debt?
A: That depends on the state the bill was created in; they all have different rates of interest. Most of the time however, 8% is the standard rule of thumb
Q: If I need to make payments, will I still be eligible for a settlement.
A: If you qualify for a settlement, it is the general rule that it must be paid in one lump sum. However, depending on the circumstances, it is sometimes possible to get that divided in to a few payments.
Q: What if I want to pay the bill, but I am under an extreme financial hardship?
A: If the level of hardship is severe then we will work with you to find a payment plan that will work for us both.
Q: What are the criteria for a hardship settlement?
A: We evaluate each case individually. Generally speaking, though if you are over 60 years of age or on disability or the sole support of a family you will be eligible for some level of hardship settlement.