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Trusted by Our Clients


 I was able to get my tax refund after all! My credit score has gone up 60 points in the past 6 months as well. The best part is I don’t have to worry about my school loans because they handle everything and always keep me updated and send reminders if I need to do anything.

Katrina S.


They went the “extra-mile” on many occasions for my family. HIGHLY RECOMMENDED!

Jeffrey P.


We were able to net a $17,000 savings with Arete!

Roque R.


My rep Tony is amazing, informative and professional. I’ll be passing on the info for sure.

Ashlee T.


Wow treated me great and I would recommend it to anyone!

Mark N.


Arete has been extremely helpful in assisting and explaining everything I need to know about my student loans. Thank you Arete Financial Freedom!

Erika O.


Arete financial has always been there to answer all my questions and they always answer in a friendly way. Thank you for all the help!

Mayra A.

 Let’s Fix Your Debt Issues 

What sacrifices would you be willing to make to be free from the stress that comes with massive debt with high interest?

When you subscribe to Arete Financial’s debt resolution program, you pass the worries and concerns to us, allowing our expert debt counselors to handle the stress of dealing with your creditors. Our program requires some time and effort to complete. We do not over promise and under deliver, this program takes time and commitment.

It is our intention to help you qualify for our debt settlement program if we deem it a suitable resolution for your financial circumstances. We only accept clients that we know will benefit from the program. You may not be accepted for numerous reasons including but not limited to the Creditor(s) holding your debt(s), the extent of your financial hardship, the type of debt(s), your ability to afford the proposed monthly savings amount, and the number of months to complete the program.

Who is Arete Financial?

We are ARETE FINANCIAL, a Southern California-based business helping people just like you!

We specialize in negotiating reductions on your unscured debts like credit cards, medical bills, repossessions, business cards and other unsecured obligations. We also work to ensure that your creditors don’t harass you at your home or place of business.

Learn More About Us →

Income Stays the Same

The average American consumer is struggling just to keep up with cost of living. Just like Elizabeth Warren our United States senator mentions in the video above. No matter what you hear on major news networks, people are affected daily by a collapse of wages, lack of jobs and inflation.

For many consumers, debt – ranging from credit cards and hospital bills to personal lines of credit and corporate loans – offers an escape that is evident from daily financial pressures..

Not all credit forms can be negative, and many people are able to use debt as a responsible means to increase their purchasing power. When you have an emergency or a hardship which happends to everyone, that is when you can be set back and caught in the rat race of high interest debts. If your expenses grow faster than your income, it will only be a matter of time until it all comes tumbling down.

Making the decision to eliminate your debts is an important first step on your road back to financal freedom. Whether your credit problems are starting to affect your standard of living or you are just trying to straighten your finances before it’s too late, you have several financial options available to you here at Arete Financial.

Do You Really Think Making Minimum Payments Will Take Care Of Your Debt? Not In This Century

Consumers have got used to just making their minimum payments which is just grabbing money and throwing it in the trash: it’s what we call here a “Pay-forever payment plan”. By law, credit card issuers are required to set a minimum monthly payment amount for each card holder. These payments are calculated on the basis of the total account holder’s balance, interest rate and some other factors.

Monthly payments can be upsetting. If you are holding a balance of $15,000 on a single credit card, your monthly payment could be as low as $250 per month. Depending on your income, this could be perfectly manageable for you and your loved ones.

Are You Ready for a Change?

Searching For a Debt Consolidation Loan?

It Could Be Tougher Than You Think….

Debt consolidation loans are a well-publicized and a well-known option for consumers struggling with debt. These loan options are available for the sole purpose of paying outstanding unsecured debts and they do their job well. When you open a debt consolidation loan, your new creditor immediately pays your existing creditors, essentially putting all your debts into one basket.

A debt consolidation loan operates just like all other unsecured debt. By making your monthly payments on time, you will end up paying off your loan. For consumers out there that have good credit and debts, this can be an interesting and beneficial option.

There’s a catch. While debt consolidation lenders are happy to lend to low-risk consumers at market rates, they’re loath to work with people who have poor or mediocre credit. In fact, most banks won’t offer a debt consolidation loan with bad credit.

But there is a catch 22. While debt consolidation providers are excited and willing to lend to low-risk consumers at near prime rates, they are hesitant to work with high-risk consumers with poor credit. As a matter of fact, most lending institutions do not offer loan consolidations to consumers with poor credit, or high debt to income, which is the case with most consumers in debt. The underwriting guidelines for an unsecured consolidation loan are extremely strict. They make it nearly impossible to qualify for if you have any accounts maxed out.

Free Debt Relief Quote

Get A FREE Debt Relief Quote! See how much you can save today

Debating Bankruptcy?
Consider The Consequences

Filing for bankruptcy is reserved only as a last resort. While filing for a Chapter 13 bankruptcy can instantly reduce your unsecured debt, it can also carry with it many unwanted repercussions. Meanwhile, filing for a Chapter 7 bankruptcy can bring all your accumulated wealth to an end.

We have a lot of articles related to the bankruptcy process on our website so feel free to peruse our data to learn more.

Bankruptcy is a very public issue. Once the process has begun, it will take a very long time to reverse the consequences of bankruptcy.

Filing for bankruptcy has a direct and immediate effect on your credit score. As you go through the bankruptcy process, you risk losing important assets such as your house, your cars and more.

With time, bankruptcy could come back to haunt you in different ways. If your employer requires you to pass a background check with a security clearance, there is a possibility that your employment may be revoked. If you are applying for a mortgage or a rental property, your past history with financial irresponsibility may exclude you from consideration. Depending on your profession, it may also be difficult to find or maintain employment.

What Our Clients Say


I will highly recommend the services of Arete Financial pertaining to the efficient and prudent fashion they navigated me through the Student Loan Forgiveness Application and approval process. Thank you Arete Financial!

Emmanuel B.

The Financial Solution You Need

Talk with a Debt Consultant (888) 866-8116