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.

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.

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!

Amazingly easy experience- I was with… Amazingly easy experience- I was with them five years- I paid of all my 33k of my debt. Yesterday I made my last payment all debt is paid!! Very exciting. Everytime you call they pick up fast- very friendly and know what they are doing. Trying to face a mound full of bills is overwhelming, American financial made it manageable. For anyone thinking off doing this to pay off old debt ( it’s never going away) this company is the one to go with. I will miss them!

Recommend for debt consolidation No issues with the service so far, one year into it. Glad to be paying off credit card debt faster than it would take with minimum payments and high APR.