The family first culture has always been a key reason for the success of ARMA. An example of this is our father/son duo Jordan and Michael Irwin.

Pre-COVID19—if you can stretch the memory back that far! —about 1 in 1000 accounts referred to ARMA were hardship cases. That is, a customer admits their liability but is unable to pay their liability due to illness, unemployment, or other reasonable cause. As the coronavirus and financial contagion spread, that number went through the roof. Just a couple of months later, something remarkable happened: the government stimulus money was distributed to individuals and we saw fi