helped me so much AFS made this so doable. I was overwhelmed by so many cards and so much debt, but AFS helped make things really manageable. They were really communicative and everything went so smoothly. I made my last payment this moth and it feels SO great!

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.

It was wonderful It was wonderful, so easy and convenient

Helped me pay on time I am finished paying my credit cards off! American Financial negotiated lower interest rates on my balances and my payments were always on time. Thank you! 😄😄😄

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.