Is Debt Settlement Right For Me?

Can I be free of debt with settlement?

Our program is unique and specifically designed for individuals would like to be free of debt and meet the following requirements::

  • Have at least $7,500 of unsecured debt (review debt qualifications below)
  • Cannot afford minimum monthly credit card payments
  • Have already or are about to fall behind in payments
  • Are seeking an alternative to bankruptcy
  • Cannot see any way to make financial progress
  • Experienced personal or financial hardships

Under certain circumstances, we may be able to help settle secured debts and student loans.
Please call for details.

Free Debt Relief Quote

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

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.

Qualified Debt

  • Major Credit Cards
  • Department Store Cards
  • Personal Loans
  • Medical Bills
  • Credit Unions
  • Collection Accounts rooting from the above mentioned account types

Unqualified Debt

  • Car, Truck, Van or Motorcycle loans
  • Federal Student Loans
  • Personal Loan from Current Bank
  • Mortgages (secured with Collateral)
  • Child Support

Under certain circumstances, we may be able to help settle secured debts and student loans.
Please call for details.

Please review the full Qualifying Unsecured Accounts to determine your eligibility.

We Understand Each Situation is Unique

We understand that each debt settlement situation is different, and our debt consultants and specialists are trained to help you set realistic expectations and help you visualize and accomplish your financial goals. We can provide solid debt negotiation information based on your individual circumstances, including your ability to allocate funds towards settlement, your past payment history with creditors and your personal or financial hardship. Once we assess your individual circumstances, we will offer a debt negotiation program that is customized to your life.

Truth be told, there are various debt relief options in the market. However, you need to understand your unique financial condition in order for you to decide which path should best be taken. This includes the stretched ability of your finances to pay off your debts. When we say stretch, it means you have exhausted efforts to save on your expenses to increase the funds that are allotted to your debt payments.

Is Debt Settlement the Right Option?

When you reach the edge, this is when hiring an expert to help can benefit you greatly. Even if there are people who worked on conquering their debt woes by themselves, getting a professional debt relief assistance is more likely to give you the desired results. Especially with something as difficult as aiming for a lower outstanding balance.

Not only will you benefit from the negotiating expertise and industry knowledge of debt settlement consultants, their existing working relationship with your creditors and other collection agencies is more likely to arrive at a favorable agreement. When your aim is to have a percentage of your debt forgiven (meaning you do not have to pay for it), the stakes are high and the person handling the negotiations must be good at what they do! Not only will they help lower your payments, you may even enjoy the waiving of late penalty fees and also lower interest rates.

The way it works is they will assure the creditors that they have checked your financial standing and have found that you are incapable of paying the original terms of your debt. In the eyes of a creditor, having an unbiased agency analyzing your finances and coming up with a solution is a lot better than having you negotiate your terms on their own. The reputation of debt settlement agencies are on the line so they will choose the people they will represent.

Get Your FREE Debt Settlement Consultation

Talk with a Debt Consultant (888) 866-8116