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.

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.

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.

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.

Blood pressure, . check 5 Stars on helping me through rough times. Kudos to ALL the knowledgeable and professional individuals at AFS, . thank you for making my ride to financial freedom smoother and keeping my blood pressure on the down low. Will definitely share and spread this amazing experience.