Debt arbitration companies are retained and act on behalf of consumers who have experienced one or more qualifying hardships thereby resulting in the inability of the consumer to manage or otherwise sustain their financial obligations.

Debt arbitration companies enter into direct negotiations with the creditors in order to facilitate the repayment of debts. In consideration for their services, debt arbitration companies are generally paid a fee by the consumer.

AADAC Members agree to comply with strict standards set forth by the AADAC Bylaws. The AADAC commonly audits its members to ensure compliance standards are being met and to maintain consumer protection during all phases of the debt arbitration process.