FAQ

How does Arrears work?

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We're a secure debt collections service used by companies around the world to process payments. Log into our payment portal using your debt ID. You can select your payment method and schedule for paying back your debt.

What if I don't know my debt ID?

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Your debt ID was sent in your collections notice from your original creditor. Refer to your initial message from them to obtain your debt ID and log into our payment portal.

Who can use Arrears?

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Anyone can use Arrears. We're available to any users located in the United States.

Do I pay Arrears or do I pay my original creditor?

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Your debt has been passed from your original creditor to Arrears, so you'll pay your debt to us directly.

How do I make a payment?

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Log in using your debt ID to access our payment portal. You'll be able to make a payment directly from that page using all major credit cards, Google or Apple Pay, or a linked bank account.

What forms of payment do you take?

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You can make payments with all major credit cards (Visa, MasterCard, AMEX), Google or Apple Pay, or using a linked bank account.

Do you charge any payment processing fees?

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If you pay with a credit card you'll be charged a standard 3% processing fee. Pay via ACH/wire to avoid any fees.

What happens if I miss a payment?

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You may be charged late fees or your account may become seriously delinquent if you miss payments. We recommend staying up to date with payments at all times.

Do you charge late fees?

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You may be charged late fees depending on how long your debt has been outstanding.

Can I make a payment plan?

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We're here to help you resolve your debt as easily as possible. You can split your debt into several payments which will be charged weekly. Your original creditor will determine how many portions you can split your payment into.

Can I defer a payment?

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Depending on your original creditor, you may be able to defer your payment for up to 30 days. You'll be able to select "Schedule a Payment" as a one-time deferral and schedule a payment within 30 days.

What do I do if you're charging me for a debt that isn't mine?

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If you believe a debt isn't yours, you can lodge a dispute. Select "this debt is not mine" from the disputes page and provide as much detail as possible to show that you are not the intended debtor.

What do I do if you're charging me for a payment I already made?

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If you've already paid the debt you're being charged for, you can lodge a dispute. Select "I've already paid" or "I've already paid the original creditor", and upload proof of payment and additional information. We'll be unable to reverse the charge if proof of payment isn't provided, so make sure to include a receipt, email confirmation, bank or credit card statement, or some other form of verification.

How do I dispute a charge?

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You can lodge a dispute directly from the payment page using the "Any problems with this debt?" link at the bottom of the page. Select the reason for your dispute and provide as much information as possible to ensure your payment can be reversed, if applicable.

How do I claim hardship?

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We're here to help. If you're unable to make your scheduled payments, we may be able to defer payments for you or create a payment plan that works with your budget. Contact us directly and provide details about your situation so we can best assess how we may be able to help.