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.

Thank you Karen York for calling me and… Thank you Karen York for calling me and helping me set up everything I needed. Thanks for explaining everything I needed to know. I’m grateful for everything you have done. Vicki Mull

Nice and friendly team Nice and friendly team, always willing to help. They kinda became family after 5 years!

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.

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!