We Understand Your Situation. We can help!

  • Consolidate Debt
  • Pay off Credit Card, Medical Bills & Other debt
  • Stop Foreclosure
  • Manage Your Money
  • Stop Collection Calls
  • Get Professional Counseling on Bankruptcy

Where Do You Stand Financially?

We can assist you with....

  • Making a budget
  • Reviewing your credit report
  • Assessing your current financial circumstances
  • Finding options to improve your situation

Find Options to Manage Your Debt

We can help find ways to...

  • Lower Interest Rates
  • Stop Collection Calls
  • Eliminate Fees
  • Make Just One Monthly Payment
  • Pay Off Debt for Good!

Get Help With Housing Needs

We can help you...

  • Uncover Ways to Avoid Foreclosure
  • Learn About Buying a Home

Pay off credit cards, medical bills and other debt

Let us create a plan for you. Click here to learn more about our Debt Management Plan.

Where do you stand financially? Find out...

MyMoneyCheckUp answers simple questions about your financial situation and will help you understand how your finances are doing.

Save your home from foreclosure

Foreclosure doesn't have to be an option. Click here and work with a professional housing counselor.


Financial Focus

American Financial Solutions is excited to announce that, as a member of the National Foundation for Credit Counseling® (NFCC®), we are bringing you and participating in the Sharpen Your Financial Focus campaign. Programs offered to consumers through the campaign will provide you great information to make smart money decisions. There are just three steps:

  1. Take MyMoneyCheckUp® an online financial self-assessment tool designed to increase awareness and provide consumers with concrete steps to improve their financial well-being.
  2. Contact us at the number above or click the Get Help Now button to connect with an NFCC Certified Financial Professional for a financial review.
  3. Participate in one of our Investing in Yourself on line financial workshops. Designed as a "deep dive", the education class will focus on the major area(s) of interest to you.
  4. If you are a member of the Military, National Guard, Coast Guard, Reservist, Retiree, Veteran or a dependent, you will benefit from a great educational series called Hands on Banking for the Military. For more information click here.

Get Bankruptcy Counseling

Concerned about bankruptcy? Learn your options before you react. Getting help is just a simple click or quick phone call away.

American Financial Solutions is a non-profit credit counseling, financial education, and debt consolidation agency.  And we're here to help you get out of debt for good. We understand what you're going through, and our certified counselors are here to listen to you and empower you to get your finances under control.  When you've reduced your monthly fees and interest rates, and freed yourself from creditors' calls, you'll look at life in a whole different way.

Struggling with financial issues other than credit card debt? We may be able to help. See our complete list of consumer credit counseling services on your right.

Debt Counseling

American Financial Solutions is dedicated to providing credit and debt counseling and financial education to consumers to help them make sound financial decisions and find debt solutions to improve their financial futures. One of the debt solutions available to our clients is participation in a debt management plan, which unlike a debt consolidation loan, works with a client's current creditors, creating a plan of action to repay those debts under the best terms possible. Debt Management is not the right solution for everyone and working one on one with a certified credit counselor will help identify the best debt solution for you.

Debt counseling involves meeting, either in person or by phone, with a certified credit counselor who will review your entire financial situation including your income, expenses, secured debts and unsecured debts and developing a plan to help you achieve your financial goals while becoming debt free. American Financial Solutions (AFS) credit counselors are accredited through the Association for Financial Counseling and Planning Education and participate in ongoing education in order to provide consumers with the most effective methods for managing their debt.

"Thanks! It is amazing how much more money you actually have when you know EXACTLY how you spend it. Getting on your program has really helped us get spending back in control." - Greg

Our credit counselors are compassionate, non- judgmental, highly trained individuals who are able to analyze your financial situation and provide options to help. When you contact AFS to discuss your debt, you will work with the same counselor all the time. We understand that it can be stressful to discuss your finances with a stranger and that is why we use this model so that you will only have to tell your story once. Your counselor will be there to guide you and help you make the tough decisions that are needed to help you get out of debt for good.

One of the most important outcomes of debt counseling is formulating a plan and a budget and sticking to it. This involves learning new habits and setting old ones aside. On our website, you will find a variety of tools to assist you with this. We offer free on line classes, budget tools and financial calculators. Your counselor will recommend that you use these tools as part of your plan. The options available through debt counseling may include, working directly with your creditors and tightening your budget in order to pay down your debt. AFS offers a Debt Management Plan where you can consolidate all of your unsecured debt payments into one convenient monthly payment on a day of your choosing. Creditors generally give the following benefits to those enrolled on a Debt Management Plan:

If neither of these solutions is appropriate, there are other options available through debt counseling that your counselor will discuss with you. There are so many circumstances that cause people to get into debt and the good news is there are options available to work your way out. Our debt counseling services are confidential and free of charge so please call a counselor today or get started with our on line application. Like our client quoted below, you will be glad you did.

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