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

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

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

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.

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!