Our Security Policy

 

 

 

The IAPDA and Arbitrain™ Training Systems has chosen PayPal as our primary Merchant Service partner to administer and process all Credit Card purchases. PayPal is the World's No. 1 Secure Online Payment System and utilizes a proven and advanced management and payment system to provide Arbitrain with the best possible performance and highest reliability available today.

 

PayPal allows our training products to be securely purchased with a credit card over the Internet. All transactions are protected by an extremely high level of encryption

 

PayPal wants its customers' shopping experience to be enjoyable and safe.

 

Safe Shopping Guarantee

 

The purchase area is secure - guaranteed. Secure means that any information provided is protected from tampering when a customer is located in a PayPal purchasing page where a lock symbol is displayed in the status bar of their web browser. If a screen is secure, the lock or key at the bottom of the browser page changes color or is clasped together; however, this may vary according to which browser is being used.


 

 

 

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Our Featured Question & Answer of the Day For Monday

 

Q. What is the difference between a Debt Settlement Program and Debt Management Plan (DMP)? 

 

A:
Debt Management

 

In a debt consolidation programs, also known as a Debt Management Plan (DMP), you pay back 100% of your debt plus interest. Interest is commonly reduced to the 8% to 10% range. Additionally, Most Debt Management Companies have a monthly service fee tacked on to your monthly payment. Most people pay back about 130% of their debt over 5 to 6 year period. Debt Management has a moderate affect on a good credit file and will improve most poor credit files.

 

Debt Settlement

 

In a Debt Settlement program, most pay back an average of 40-50% of their total debt, including all agency fees as well as accruing fees and interest. This 40-50% figure is based on your starting balances. 

 

In some cases, where a client has very challenging creditors combined with a good income, liquid assets, etc., Certified Debt Specialists may end up with what they consider to be a less than perfect result and pay back may be in the 60% range. This is still a substantial savings for most clients and proves to be an effective program.  

 

Also, the contrary is true. Certified Debt Specialists often are able to obtain total settlements including fees in the 40% range when the factors are just right.  

 

Most clients are able to liquidate their debt in 2 to 3 years vs. 5 to 6 years in the DMP and the monthly payment is commonly smaller than a Debt Management Payment for the same debt.  

 

Debt Settlement has a major impact on good credit but will improve credit for people that are 6 months or more past due. This improvement in credit profile is caused by bringing outstanding balances down to a ZERO balance.