I chose to go with AFS because they are a non profit. I chose to go with AFS because they are a nonprofit and didn't come across as predatory. Every time I had a question, I called and a representative was always kind and helpful. When I was able to pay my debt down earlier than expected, they were accommodating and made it easy.

AFS is a ray of hope in a dark situation… It’s a shame more people don’t know about AFS. We got into a bad financial position due to some life traumas and were desperate for help. Through some Google research I came across AFS. I was very skeptical and waited for months before actually signing up. I just couldn’t believe that creditors would lower my interest rates and work with me when I wasn’t even behind. Everything AFS told me was true. It’s hard work! It’s a struggle every month but it’s a better option than bankruptcy and there is finally light at the end of the tunnel. We are 8 months in and I love looking at my monthly statements and seeing how far we’ve come.

What started out with a phone call to… What started out with a phone call to inquire about debt consolidation, ended with the best decision I’ve made to be debt free!! I was quoted one affordable monthly bill which at first seemed a little overwhelming but I made it a priority each month for a couple of years and now I am debt free and my credit is on the rise!! Definitely would recommend this company to anyone needing help with debt relief!!

Helped me pay on time I am finished paying my credit cards off! American Financial negotiated lower interest rates on my balances and my payments were always on time. Thank you! 😄😄😄

helped me so much AFS made this so doable. I was overwhelmed by so many cards and so much debt, but AFS helped make things really manageable. They were really communicative and everything went so smoothly. I made my last payment this moth and it feels SO great!