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How can this be resolved?

At ARA, we resolve debts owed to almost every major bank and credit card Company in the country. Our belief after years in this industry is that most ex-cardholders didn't intend to default on their bill at the time they did. However, something happened and it resulted in a financial setback at that time in their life. We understand that from time to time everyone has financial difficulties, but we know that most people genuinely intend to pay their debt when they're back on their feet. Our goal is to resolve every bill before any action needs to be taken.

It’s important to know we recognize that everyone gets stuck now and then. At ARA, we are going to do everything possible to work out an arrangement that will not require lawyers on either of our parts. This is why the people to who you’ll be speaking to are trained in debt resolution, not bill collections. What’s the difference, you may ask? Well the entire distinction is in what the goal of the conversation is. Most collections personnel that you’ve talked to about this bill and probably most of the other bills you’ve had in the past have wanted to get you to pay at all costs. The representatives that you’ll talk to at ARA want to find a solution to this problem, that everybody can live with. That’s an important difference and one, which we have made the trademark of our business.

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