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American Financial Solutions is a non-profit agency that helps thousands of people find a solution to get out of debt for good.

  • Consolidate credit payments into one monthly payment
  • Pay off your debt faster
  • Lower your overall interest rates
  • Eliminate fees
  • Stop collection calls
  • Make a plan you can stick to to become debt free 

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We create a structured repayment plan that gets you on track to repay all your unsecured debts. Best of all, working with an American Financial Solutions counselor you’ll learn how to make smart financial choices that will keep you worry-free.

When someone searches for debt consolidation programs on the internet, they are generally looking for a way to get out of debt. Debt Consolidation actually describes consolidating all of your unsecured debt into one loan at a single interest rate so that you will pay only one payment a month.This includes credit card debt consolidation, medical bills, collection accounts and certain other debts. The question is - is this a good option for most consumers who are weighed down by a lot of debt? Many tend to have a high debt to income ratio, may be behind in making their payments and so will tend to have a low credit score. This does not put them in a favorable position for qualifying for a debt consolidation loan at a reasonable interest rate, if at all.

Is Debt Management the same thing as Debt Consolidation?

Many consumers, mistake a debt management plan for a debt consolidation program. Debt management is often a good solution for consumers who are in debt because it is not a loan but a consolidation of debt payments into one payment per month with the assistance of a credit counseling agency. In addition creditors normally give benefits to those who enroll in a debt management plan. These benefits may include lower interest rates, lower fees and, in some cases, a lower monthly payment. Debt management plan enrollees will be out of debt in five years or less. Therefore, when consumers contact us and ask if we are a debt consolidation company, we spend a few minutes explaining to them what that really means and what solutions we can provide.

Non-Profit Credit Counseling

American Financial Solutions is a non-profit organization that has helped thousands of Americans find relief from financial trouble, pay off their debt and realize their financial goals. One of the most important things we can offer consumers is the education necessary to change how they manage their money. Also, when someone is on a debt management plan, they will have a counselor to rely on for support and encouragement, something you do not get with a debt consolidation loan. We have found that this support is extremely valuable and is one of the reasons for success.

Understanding the terminology

"Laura and I just finished off our 57 month debt management plan with AFS paying off over $42,000 in credit card debt! Thank you, Troy and everyone at AFS for helping us to become debt-free!"

People sometimes confuse debt consolidation for debt settlement and are drawn to the provocative advertising that promises to get them out of debt in a very short period of time while paying less than the balance owed – sometimes as much as 50% less. Be wary of such claims! If you do contact one of these companies, be sure they explain, in detail, how this debt consolidation process works, that it could result in litigation against you by your creditors and how your credit will be affected. Also be sure to ask what fees they will charge you and when. At American Financial Solutions you will find, certified credit counselors who will confidentially review your entire financial situation and discuss options to help you reach your financial goals. They will explain the differences between debt consolidation, debt management and debt settlement in a way that is easy to understand. Please contact our professional counselors using the number listed on our website page. We are available from 6 a.m. to 6 p.m. Monday to Friday and 7 a.m. - 3.30 p.m. Saturday PST, or complete our online application form by pressing the "Get Started Now" button.

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