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.

Each person that I spoke with Each person that I spoke with, was extremely helpful!

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.

I can’t believe my debt is paid. I remember in 2020 I had this panic that I had so much debt and it was never going to be paid. Fast forward to today and it’s over!! It’s all repaid. I am so happy with AFS, I called to move my payment a few times and they were always very nice and super accommodating. I recommend this 1000 times over

I have only been with AFS for 3 weeks I have only been with AFS for 3 weeks, but already I am very impressed. They make you feel valuable, not ashamed for mistakes you've made with credit. We ALL have been there, in one way or another. No one is perfect (except Jesus). Anyways, they've been a HUGE support and liason between our creditors and myself. I highly recommend them!