Quick Poll - Tell AFS What You Want to Hear

What financial topic(s) would you read about in our blog?

Posted on Oct 02, 2014

Debt, Depression and Real Answers To Reducing Stress

Sometimes it can be hard to determine what came first; financial problems or depression. However once the debt has become and issue it can increase the amount of hopelessness and anxiety people feel. The good news is, help is available.

Posted on Aug 18, 2014

Hope for a New Home After Foreclosure and Bankruptcy

Timelines for buying a house after filing bankruptcy or going through a foreclosure.

Posted on Apr 28, 2014

Know Your Options Before Addressing Financial Problems

Your financial difficulties could already be severe enough that you are tempted to accept the first solution that comes along. However, there are pros and cons to bankruptcy, debt consolidation, debt settlement and most debt repayment options. It is important to talk to someone who knows the ins and outs of the credit industry and can offer educated recommendations on how to get out of debt. Debt problems typically do not materialize overnight. Nor do they go away quickly. Many people have benefited from having a credit counselor guide them through their debt repayment options. For those worried that talking with a credit counselor will add another bill, most counseling and education services are offered for free. If you decide a debt management plan...

Posted on Dec 12, 2013

The Supreme Court Health Care Decision: What It Means to You

From Stacy Johnson, our Partner at MoneyTalksNews The media is talking about which politicians "won" and "lost" when the Supreme Court ruled on health care reform. But here's what really matters: how it all affects you. If you thought healthcare reform was complicated when it passed Congress in 2010, you were really confused this morning… “Mandate struck down,” CNN declared a few minutes after 10 a.m., when the Supreme Court ruled on a challenge to the Patient Protection and Affordable Care Act (ACA). “Supreme Court Allows Health Care Law to Largely Stand,” The New York Times reported a few minutes later. “Supreme Court rules individual health care mandate may be upheld under congressional tax authority,” MSNBC added a few minutes after that. So what really happened?...

Posted on Jun 29, 2012

Bankruptcy - If You Have Tried Everything Else

You have tried talking with your creditors - you’ve tried (and been denied) a loan- you’ve discussed all of your options with one of our Certified Credit Counselors and there seems to be no other option but bankruptcy. While we encourage everyone to seek bankruptcy counseling and avoid bankruptcy, there are times when it may be inevitable. At that point, what do you do? Consult a bankruptcy attorney - someone who specializes in bankruptcy. The attorney will guide you through the possible options, and will review your budget and credit situation. Together you can decide if this is your best option. For Approved Credit Counseling Agencies please visit

Posted on Feb 11, 2009

What is a bankruptcy and how does it work?

The primary purpose of bankruptcy is to give a person, who is unable to repay their debts, a chance to start over financially. There are two (main) types of individual bankruptcy. Under Chapter 7, debtors are sometimes required to turn certain property that they owned when they filed their bankruptcy petition, over to a court trustee. This property is sold, and the proceeds are used to pay the creditors. Any remaining balance owed to the creditor is then discharged. In a Chapter 13 bankruptcy people may keep their property, but must commit to a court ordered repayment plan of their debt. The repayment plans typically last three to five years and at the end of that time any balance remaining is...

Posted on Mar 11, 2008

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