For many people, the announcement last year that the three major credit reporting agencies would remove paid medical debts from credit reports was a welcome relief. Medical bills and the confusion those bills and insurance cause, has led to many people owing debts they never planned for. Here is an update on the changes to credit reports, credit scores, and how to manage medical bills.
American Financial Solution’s "Labor Day" Giveaway | Win a $100 Gift Card
Let AFS give you a Bonus! Until September 4th, we’ll be sharing daily tips on how to make the most of your money. Sound financial management is critical to living a future free of debt and full of the things most important to you.
There are several ways of entering our contest and increasing your chance of winning. There is no limit on how many entries you can have:
- Post a picture of you at work or of you preparing or celebrating Labor Day in the comments section of our Labor Day Contest Post: 1 entry per post.
- Post a comment, in the comments section of our Labor Day Contest Post, describing how you save money during the holidays: 1 entry per post.
- Share an American Financial Solutions post: 1 entry per post
- Comment on an American Financial Solutions post: 1 entry per comment (valid for one comment per post only)
Submissions will be closed at 11:59 pm EST on September 4, 2017. The winner will be randomly chosen on September 5, 2017 and notified here on Facebook. You will have 48 hours to claim your prize!
*Please see our General Contest Rules below for more information.*
YOU DO NOT NEED TO BE, OR BECOME A CLIENT OF AMERICAN FINANCIAL SOLUTIONS TO WIN. BECOMING A CLIENT DOES NOT INCREASE YOUR CHANCES OF WINNING. THE INTENT OF THIS CONTEST IS TO PROMOTE FINANCIAL AWARENESS ONLY.
General Contest Rules
NORTH SEATTLE COMMUNITY COLLEGE FOUNDATION DBA AMERICAN FINANCIAL SOLUTIONS SETS FORTH THE FOLLOWING CONTEST RULES:
NO PURCHASE IS NECESSARY TO ENTER OR WIN. YOU DO NOT NEED TO BE, OR BECOME A CLIENT OF AMERICAN FINANCIAL SOLUTIONS TO WIN. BECOMING A CLIENT DOES NOT INCREASE YOUR CHANCES OF WINNING. THE INTENT OF THIS CONTEST IS TO PROMOTE FINANCIAL AWARENESS ONLY.
Eligibility: Sweepstakes (the “Sweepstakes”) is open only to those who sign up at the online sweepstakes page (please see contest-specific entry rules above) and who are 18 years old as of the date of entry. The sweepstakes is only open to legal residents of the United States and is void where prohibited by law. Employees of American Financial Solutions, their respective affiliates, subsidiaries, advertising and promotion agencies, suppliers and their immediate family members and/or those living in the same household of each are not eligible to participate in the Sweepstakes. The Sweepstakes is subject to all applicable federal, state and local laws and regulations. Void where prohibited.
Agreement to Rules: By participating, you agree to be fully unconditionally bound by these Rules, and you represent and warrant that you meet the eligibility requirements set forth herein. In addition, you agree to accept the decisions of American Financial Solutions, as final and binding as it relates to the content. The Sweepstakes is subject to all applicable federal, state and local laws.
Sweepstakes Period: Entries will be accepted online starting on and ending as detailed above in the contest-specific rules. All online entries must be received by 11:59PM EST on September 4, 2017.
How to Enter: The Sweepstakes must be entered by submitting an appropriate entry using the guidelines provided on American Financial Solution’s social media posts and in the contest-specific rules stated above. The entry must fulfill all sweepstakes requirements, as specified, to be eligible to win a prize. Entries that are not complete or do not adhere to the rules or specifications may be disqualified at the sole discretion of American Financial Solutions. You must fill in the information requested. You may not enter more times than indicated by using multiple email addresses, identities or devices in an attempt to circumvent the rules. If you use fraudulent methods or otherwise attempt to circumvent the rules, your submission may be removed from eligibility at the sole discretion of American Financial Solutions
Prizes: The winner will receive a $100 gift card. Actual/appraised value may differ at time of prize award. The specifics of the prize shall be solely determined by American Financial Solutions No cash or other prize substitution permitted except at American Financial Solution’s discretion. The prize is nontransferable. Any and all prize related expenses, including, without limitation, any and all federal, state, and/or local taxes, shall be the sole responsibility of the winner. No substitution of prize or transfer/assignment of prize to others or request for the cash equivalent by winners is permitted.
Odds: The odds of winning depend on the number of eligible entries received.
Winner selection and notification: Winners of the Sweepstakes will be selected in a random drawing under the supervision of American Financial Solutions Winners will be notified via email to the email address they entered the Sweepstakes with within five (5) days following the winner selection. American Financial Solutions shall have no liability for a winner's failure to receive notices due to winners' spam, junk e-mail or other security settings or for winners' provision of incorrect or otherwise non-functioning contact information. If the selected winner cannot be contacted, is ineligible, fails to claim the prize within 48 hours from the time award notification was sent, or fails to timely return a completed and executed declaration and releases as required, prize may be forfeited and an alternate winner selected.
The receipt by winner of the prize offered in this Sweepstakes is conditioned upon compliance with any and all federal and state laws and regulations. ANY VIOLATION OF THESE OFFICIAL RULES BY ANY WINNER (AT AMERICAN FINANCIAL SOLUTION’S SOLE DISCRETION) WILL RESULT IN SUCH WINNER'S DISQUALIFICATION AS WINNER OF THE SWEEPSTAKES AND ALL PRIVILEGES AS WINNER WILL BE IMMEDIATELY TERMINATED.
Terms: American Financial Solutions reserves the right, in its sole discretion, to cancel, terminate, modify or suspend the Sweepstakes should (in its sole discretion) a virus, bugs, non-authorized human intervention, fraud, or other causes beyond its control, corrupt or affect the administration, security, fairness or proper conduct of the Sweepstakes. In such case, American Financial Solutions may select the recipients from all eligible entries received prior to and/or after (if appropriate) the action taken by American Financial Solutions. American Financial Solutions reserves the right at its sole discretion to disqualify any individual who tampers or attempts to tamper with the entry process or the operation of the Sweepstakes or website or violates these Terms & Conditions.
American Financial Solutions has the right, in its sole discretion, to maintain the integrity of the Sweepstakes, to void entries for any reason, including, but not limited to; multiple entries from the same user from different IP addresses; multiple entries from the same computer in excess of that allowed by sweepstakes rules; or the use of bots, macros or scripts or other technical means for entering.
Any attempt by an entrant to deliberately damage any web site or undermine the legitimate operation of the sweepstakes may be a violation of criminal and civil laws and should such an attempt be made, American Financial Solutions reserves the right to seek damages from any such person to the fullest extent permitted by law.
By entering the Sweepstakes you agree to receive email newsletters periodically from American Financial Solutions You can opt-out of receiving this communication at any time by clicking the unsubscribe link in the newsletter.
Limitation of Liability: By entering you agree to release and hold harmless American Financial Solutions and its subsidiaries, affiliates, advertising and promotion agencies, partners, representatives, agents, successors, assigns, employees, officers and directors from any liability, illness, injury, death, loss, litigation, claim or damage that may occur, directly or indirectly, whether caused by negligence or not, from (i) such entrant's participation in the sweepstakes and/or his/her acceptance, possession, use, or misuse of any prize or any portion thereof, (ii) technical failures of any kind, including but not limited to the malfunctioning of any computer, cable, network, hardware or software; (iii) the unavailability or inaccessibility of any transmissions or telephone or Internet service; (iv) unauthorized human intervention in any part of the entry process or the Promotion; (v) electronic or human error which may occur in the administration of the Promotion or the processing of entries.
Disputes: THIS SWEEPSTAKES IS GOVERNED BY THE LAWS OF THE UNITED STATES AND THE STATE OF WASHINGTON, WITHOUT RESPECT TO CONFLICT OF LAW DOCTRINES. As a condition of participating in this Sweepstakes, participant agrees that any and all disputes which cannot be resolved between the parties, and causes of action arising out of or connected with this Sweepstakes, shall be resolved individually, without resort to any form of class action, exclusively before a court located in Washington having jurisdiction. Further, in any such dispute, under no circumstances will participant be permitted to obtain awards for, and hereby waives all rights to claim punitive, incidental, or consequential damages, including reasonable attorneys' fees, other than participant's actual out-of-pocket expenses (i.e. costs associated with entering this Sweepstakes), and participant further waives all rights to have damages multiplied or increased.
Social Media: This contest is in no way sponsored, endorsed, administered by, or associated with Facebook, Twitter, or Pinterest.
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