Take control of your debt today with a trusted, respected, nonprofit credit counseling agency dedicated to your financial well-being!

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Industry Recognition & Accreditation

American Financial Solutions BBB Business Review
FCAA
COA
NFCC
US Department of Housing and Urban Development
Wasghinton State Housing Finance Commission

Find options to manage your debt

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More than $10 billion in debt paid
98% Client Satisfaction Rating
Over 500,000 clients empowered with a Debt Management Plan
Serving Consumers and the Community Since 1999

Call us at 888-282-5899

and your counselor will review your credit report, analyze your financial situation and help you find the option that's best for you.

Debt Management

A Debt Management Plan consolidates your debt payments into one easy monthly payment and helps you get lower interest rates and fees so that you can get out of debt for good.  Learn more

Credit Counseling

Our certified counselors will review your financial situation in a confidential session and pull your credit report if needed. They will then review the options available and help you choose the one that's best for you.  Learn more

Student Loan Counseling

Speak to a counselor who can help you find the resources to successfully manage your student loans. If you are confused or overwhelmed about managing your student loan debt, we will find answers that meet your needs.  Learn more

Bankruptcy Counseling

American Financial Solutions (AFS) is approved* by the Executive Office of the United States Trustees (EOUST) to provide the required pre-filing counseling and post-bankruptcy education and issue certificates.  Learn more

Education & Tools

Find answers to your credit, debt & budgeting questions via our blog, classes and calculators and get answers to your burning credit, debt & budgeting questions via our online classes, blog and targeted resources.  Learn more

Credit Report Review

A credit counselor can pull and review your credit report and score with you and help you establish a plan for managing your credit and debts.  Learn more

Home Ownership

More and more lenders require housing counseling prior to granting a loan. We provide comprehensive counseling to help you become mortgage ready and understand the ins and outs of purchasing and owning a home.  Learn more

Foreclosure Prevention

Our skilled housing counselors will help you understand the foreclosure process and review options to help you avoid foreclosure which may include working with you and your lender to negotiate new mortgage terms.  Learn more

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. American Financial Solutions does business as AFS Credit Counseling in the states of Arizona, Illinois, Nebraska and New Hampshire.

Client Sentiment

"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 P.

Recent Blog Posts

Browse our recent blog articles and you will see and learn about the various ways AFS can help you, as well as educate yourself.

Credit Card Debt

The Double-Edged Sword of Buy Now, Pay Later: Convenience Meets Caution

In today’s fast-paced digital world, the rise of "Buy Now, Pay Later" (BNPL) services like Afterpay, Klarna, and Affirm has transformed how we shop. These services offer an enticing promise: purchase what you want now and pay for it later, typically in small, interest-free installments. It’s no wonder millions of people find BNPL options irresistible. But as with any financial tool, the convenience comes with risks—especially when people juggle multiple BNPL accounts.

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Credit Card Debt

AFS Client of the Year

David’s incredible journey, filled with hard work and determination, has led him to this well-deserved recognition. As a participant in our debt management plan, David took charge of his financial future, and his story is a powerful reminder of what’s possible with perseverance and support. We are honored to have been part of his journey.

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