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!!

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.

Best Kept Secret that EVERYONE Should Be Told! I learned about AFS when I talked to my local credit union about a loan-- I was working myself to death, living beyond my means and struggling for a long time, and I was looking to relocate and change my lifestyle for good. The teller said even if I was approved, it wouldn't be the help I needed, and she told me about this FREE debt management to lower my bills and pay everything back in 5 years or less. I just completed year one, my bills are cut in half, and I was able to change many things for the better. I will forever be grateful. I had never heard of anything like this before... and I think everyone should know. If you are considering this for your financial well being, don't wait-- it's a life changer.

Very trustworthy and helpful They had been very helpful in getting me to my goal of financial stability and getting rid of debt. They have been there for me for years as I slowly but surely followed the plan and successfully completed the program.

Great Experience Every person I have worked with over the phone at AFS has been great. Any time I called to make an extra payment, they would be genuinely excited for me. They must have a great company culture and have a team of individuals who actually care about helping people. They negotiated a payment plan for 6 years at half the normal interest rate for my 2 credit cards. I was able to pay it off in 3.5 years. Highly recommend using this company.