Why Use an ARA Member?


American Recovery Association (ARA) is the world’s largest association of certified, trained and compliant recovery and remarketing professionals. ARA members specialize in locating and repossessing collateral on behalf of lending institutions including banks, savings institutions, finance companies, credit unions, rental/leasing companies, and auto, truck and equipment dealers. All members are certified independent business operators.

ARA sets the highest standards in the industry for applicants seeking membership. By maintaining these standards, clients are assured members are professional, insured, certified, trained and compliant.

ARA Directory

Our entire membership directory is online and updated annually. Complimentary copies are distributed to the lending community every January. Click here to request a complimentary printed directory of ARA members.

Online Software for the Lending Community

ARA is the only association in the recovery industry with its own recovery software. The integrated online recovery management software links lenders with recovery and remarketing agents for real-time communication. Clients can search by zip codes to find any ARA recovery agent in the United States.

The ARA Recovery Management Software allows us to offer our clients and potential clients a way to improve how they communicate and conduct business. The ARA Recovery Management Software makes it possible for ARA members to realize a seamless communication platform with their clients, allowing them to increase efficiencies within their repossession departments across the country. Clients can utilize this technology to send assignments and view updates, condition reports and invoices with all accounts directly through the ARA website.

CSTF Client Protection

The Client Security Trust Facility continues the life-long commitment by the ARA to protect our clients.


ARA focuses on compliance training and monitoring, education and training through certification programs, legal representation and lobbying, promotion of member and lender direct relationships, networking, and a captive insurance program.

ARA Compliance Monitoring & Agency Employee Testing Module

A highly customizable software platform monitors the exact parameters based on what our lenders choose.  Our system has a built-in employee compliance testing module.  Compliance Auditing utilizes the services of an independent CPA compliance auditing company to perform audits and provide reports.

Dedicated Association Staff to Help Serve You

ARA is the only industry trade association with a physical office location and committed staff. ARA’s Home Office is located in Irving, Texas, with a seasoned executive director and staff dedicated to the service of its clients and members.

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