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What Clients Say About Their Experience with American Financial Solutions

Below is an example of success, one of our clients had, after enrolling in the debt management plan. Keep scrolling to see more comments from clients who worked with our credit counselors to find a unique debt solution! It can be life changing!

Review Story

True Story

This is John. He had $38,327 in debt. He was worried and not sure of the best way to pay the debt off.  He did know that if he didn’t do something, he was on track to repay $175,340 over more than 30 years. 

John researched ways to get out of debt and found  American Financial Solutions (AFS). He learned about a Debt Management Plan (DMP) that would help him repay his creditors in full, with lowered interest rates and one monthly payment.  

He did it! For 49 months, John made his montly payments. The total amount he paid through the DMP was $43,183.19. 

Say that again, $43,183.19 over 49 months and John was done! Way to go John!

What did John say? "They're Grrreat!

What is your debt free date? Find out now! Call 888-864-8548 or visit


My name is Darlene and I was a very undisciplined spender.  I would buy something with a credit card and tell myself I would pay that off before I would charge anything else.  As you can probably guess, that didn't happen.  I received help from a family member once before who paid off my debts for  me so I could have a clean start.  I was okay for a short time, but never learned a thing.  I got one credit card.  I convinced myself I would build up my credit with that one card by buying things and paying them off before I used it again.  Needless to say, that didn't happen either.  After five more cards, I started to feel that old dreadful trapped feeling I felt before.

I was embarrassed to ever want help again, but I was facing more interest than I could ever repay without years of payments.  Five payments on credit cards plus interest is, by the way, is practically impossible.  On top of that, I was planning on retiring in six years and needed to be out of debt to make it on social security and my retirement from my job. 

That is when I went searching the Internet.  I found several places that offered counseling and some loans.  When I came across American Financial Solutions, I looked into the background of the company, the Better Business Bureau, and past customers that were very happy with how this company helped them.  I like that they go to your creditors for you and negotiate a lower interest rate, and/or, lower payment each month.  You then pay American Financial one monthly payment, which I have taken directly out of checking account. 

I called them and found out from the very beginning, they were there to help and be supportive.  Every person I have every spoken to at American Financial Solutions has been kind, helpful, and knowledgeable.  I can't say how much the employees impressed me.  I was feeling embarrassed and they treated me like I was fixable.  And I was.

Because you are paying your debts off, you cannot take out any credit for the period time it takes to be debt free.  Meanwhile, I found out I can live on just what I make, while my debt is being paid down.  I even have some left over each month.  I wish I would have found this help a long time ago. I have paid extra when I have it so I am now just 2 months away from American Financial Solutions making my last payment to my last creditor for me. 

I am grateful to American Financial Solutions for helping me to learn I can be in control of finances.  I will be debt free soon and am not looking back.  I know how good it feels and don't ever want that "out-of-control" feeling again. 
Darlene P.


I didn't think this would ever happen! I remember calling in to your company many years ago (3 or 4 years ago, I think), crying because I just didn't know what to do or how to get started paying our debtors. We were so behind with our bills and were getting harassed by phone calls and it was all so overwhelming. I found you guys on the internet and took a leap of faith to call you and happened to get Jessica Williams on the phone. After creating a payment plan with her while she listened through my sobs, we worked it out and it has been so great ever since. AFS is truly a wonderful entity with a valuable service to those who just don't know where to turn and don't want to file bankruptcy. 

This is such a huge milestone for our family! Thank you Bonnie, and tell Jessica thanks as well. I'd refer others to AFS, no doubt!!!! :)



“In less than 20 minutes (my counselor) brought order to what I considered a hopeless financial jumble and to what I saw as an overwhelming debt load…. She gave me a financial path to follow, along with the belief in myself that I can do this and caution about what expenses to stop as soon as possible…. Now I ‘own’ my financial situation and can change it.”
-- Anonymous

"I never would be as far as I am now without the help of AFS. It was a scary step to cut up all of my credit cards, but after two years my credit score has improved to 715 and I am about to close on my first house ($239,000) with excellent financing. Thank you for the confidence and financial freedom."
-- Andrea K.

“Thank you for helping us to be free of phone calls, threatening letters and everything else that comes with being so far in debt. We recommend your services to anyone who wants to become debt free.”

-- Barry & Tanna S.

This heartfelt message was received on June 19, 2015!  Mike will never forget the desperate feeling of being in debt and the assistance he received from AFS that truly turned his life around!

Hello, This note is many years in coming. I think of you folks often and am so very grateful for your support and advocacy when I found myself in such desperate need. I became a client back in 2002. I was about $15,000 in credit card debt and plagued with endless collection letters and phone calls. I was a slave to minimum monthly payments that I knew would never get me anywhere.

I was always employed and had worked very hard. One year I was forced to take a huge cut in pay which threw my entire life into turmoil.

After years of trying to make ends meet, credit cards helped cushion me each month. There were no vacations, no new clothes, no extravagances - simply the basics. Even after having seen ads for your organization on TV, I felt like calling to ask for your assistance would have validated what I began to feel about myself - that I was a loser.

The rep I spoke with understood where I was coming from and assured me I was on the right path. We worked out an appropriate monthly payment, got creditors to end the calls and nasty letters, and even had my accounts re-aged. I monitored my statements each month and was quite surprised to see just exactly how quickly my debt went down. After 4 years of hard work, I finally did it - the final payment. It was, of course, difficult but my only regret is not having called you folks sooner.

A decade later, I am a homeowner and have a FICO score that is higher than 90% of the population. I can get any loan or account I ask for. I learned valuable lessons and guard my credit diligently. Despite the peace I currently experience, I remember very well the anguish of once being in debt. I owe so much to you there - thank you.

f you ever need a testimonial or my help in any way, please do not hesitate to ask.

Thank You!

Mike S, Worcester, MA

“The thing I admire most about AFS is when you speak to an advisor you are treated with respect, like someone who got themselves in trouble financially, not like a deadbeat! That has helped me a great deal over the last three years.”

-- Anonymous


Thanks for all of your help yesterday! Very very very very helpful, I even made a large payment to my credit cards because of my budget.. I also did the course, very interesting.. 


Hey, Steve,

Thanks so much for the regular check ins. Although I NEVER get back to you (so far there hasn't been any reason, really) I do appreciate your attentiveness and the way you and your company have helped me chip away at my debt.

Alas, my money problems must be genetic..... My younger brother has started receiving "stern" phone calls from collection agencies using the 'S' word (student loans) and, from what I hear could use your help. I'm referring him to you. His name is Chris and (hopefully) he'll be calling you shortly.

Let me know if you have any questions.


To whom it may concern,

  I was very happy with the service and support that was provided to my family by AFS.  

My contact person Beverly was outstanding; everything she explained to us was 100% on the mark.   

I would be very proud to recommend your service to others.



Hello Donna,

I just wanted to say thank you for all of the help and guidance you provided to us over the past 4 and 1/2 years.  I know that Somalia took over our account a while back, but you were the person that helped to get us started and made sure we stayed on track well into the program.  When we started out at about $55,000 we were really not sure if we could make it all the way.  $1368 per month was a pretty big payment.  But - we made it, and we can't thank you enough for working with us through this.

Our last payment was to Discover Card and I have already verified that the account is paid in full.  In fact we actually have a small credit on the account.  At this point we just want to ensure that no further payments will be drawn from our checking account.  I think Somalia indicated we would be getting a letter in about a month that officially indicated our program completion.

Thank you again for everything.  After all this time it actually feels kind of weird to not have to worry about this anymore - but in a really good way!

All the Best//

Greg and Kim

Good morning,   I just returned from my cruise and just making sure that you received my check and everyone is paid in full and my account with you has been satisfied.  Thanks again for all of your help.  Hopefully I will not need your services again but if I know anyone who does, I will highly recommend you as you are a very caring person who seems to really care about his clients.

Thanks again, Ronnie

So I guess this means we're done?  In the future, heaven forbid, I will come to you for advice if that's okay.  I have recommended you to my friends and family so hopefully when they decide to take the plunge and get things straight they will give you a call.  I've told them how helpful and encouraging you and your company are.  I've told them that your advice is comforting, sound, and logical; all of which are critical when one is receiving a call from a collector threatening a law suit.  I cannot thank you enough.  God Bless!


Thank you for your words of encouragement and helping me through this major life change.  I feel like I have a chance to become a responsible mature human being again.  I have felt so embarrassed thru this whole process, in getting my finances in control but you were steadfast and consistent, something that was much needed in my life.

I have cried many times in denial that I am truly debt free.  I know your job must be rough but please know and I hope your boss understands the good work you do and that I will always remember your work and how you have helped me.  Take care and may Creator bless you in life.  I lift my hands in gratitude for to you and your company. THANK YOU, THANK YOU, THANK YOU.


 “…You are such the best of what you do. Thank you for helping me with my issue last year. Like I told you before' You like an angle without wing’. My life is on the right direction and I could sleep well because of you. Thank you for all your help.”

Here is a great illustration of the power of a well run Debt Management Plan. Some clients who enrolled in September of 2008 with just over $123,000 in credit card debt will be paid in full October of this year. $123,000 in unsecured consumer debt paid in full in just over four years!

 “A little over a year ago I called AFS sick to my stomach and shaking because I was so scared and embarrassed... The day I made the call (our counselor, Dave) made me feel like a person not a client. His way of putting people at ease is incredible. I cannot thank you all so much for the peace of mind you have given my husband and I... It is now do-able and I am no longer afraid of my phone ringing."


How is my great adviser?!
I have a fine new job with lovely people low salary but things sure a whole lot better as a result of you and your great organization.
Thank you from the bottom of my heart.
What is the free credit report site that your company recommends that I use?
Now that my strength is coming back I would like to repair my credit rating and don't know how.
Can I work with your AFS to improve my credit report/score?
I hope you and your husband are doing well.
Again you saved me and did it so well without upsetting me in any way.

I will never forget what you and your company did to help me.


Thank you for your assistance over these past five years, Steve!!!!  Much appreciated and such a relief to have this debt off of our backs :)

Hey Caeleigh, I'm not sure if it's paid in full... I'll be able to check it tomorrow to make sure... I have been paying care credit bill for over 4 years I think.... My husband deploys to Afghanistan Saturday morning and I won't be back to the apartment till Saturday afternoon ...  I will email you back with the correct info ASAP! Thank you :) and happy holidays to you all! I'm not sure what I'd do without AFS! Very blessed to be able to pay my medical debt through you all... It has made deployment life way less stressful! Thank you :) 


"I am very satisfied and I am very blessed that I got Steve to handle my account. He is very professional and extremely nice and I felt that he understood me and never was he rude or in a rush. I felt comfortable speaking to him and I didn't feel embarrassed about my situation because I felt all along that all he wanted to do was help me out. I am going to do some the online classes. Thank you so much"

I just received a call from one of Margarita’s housing clients.  He was ecstatic and so relieved to receive a loan modification on his mortgage.  He worked diligently with Margarita for over a year and it paid off in the end.  In his own words – “Don’t let Margarita out of your sight – she is awesome!”  He also mentioned that everyone he has ever dealt with here has gone above and beyond to help him, especially Shelli who was always gracious and helpful when he had to pick up or drop off documents and he concluded with – “your crew really make a difference – you should be proud of them!” 


 So great to hear from you.  I am doing great with our financial plan and wanted to let you know how happy I was to have met with you.  I misplaced your name and could not respond to the survey originally sent, could you have them send me another one so that I can sing your praises.



I would like to express my appreciation to all associates of American Financial Solutions (AFS) for the professional guidance and care in handling my accounts.  I was in dire straits and your positive mannerisms took all my problems and led me to a successful conclusion.  Thank you again!  If I have any friends that have problems that you may help them with, I will not hesitate to recommend you to them.

Hi Lea,

I just want to thank you for your assistance and your kindness.  You definitely helped make this unpleasant situation a lot more palatable for me.  I wish you the best in all the exciting things happening in your life right now.

Sincerely, Kathy

Dear Donna

I would like to take a few moments to thank you for your support during my time of transition.  I have to admit there were times during the process when I had my doubts, never the less you displayed top notch professionalism throughout the process from putting together my file to offering both words of encouragement and financial advice.

In closing, American Financial Solutions is fortunate to have a person of your caliber on their team, a true Humanitarian!

Sincerely, Ron

Ms. Mascarin,

I have asked Angela to provide me with your email so I can send you this note.

I am a client who, as you can imagine, has fallen on some hard times and has had a very difficult time getting any kind of help with my mortgage and financial picture.

I came to AFS as a last resort to help me figure out what to do and how to proceed since I have a lender that is "less than cooperative".  Angela recommended we do a mediation with the lender and we requested a modification, to make a long story short, we had our mediation today and were not able to come to any resolution and needed to extend to a second mediation.

The reason I am writing is to give my great compliments for Angela and her work ethic and compassion as well as her business acumen and her honesty and integrity.

 She is fastidious about making sure every I is dotted and ever T is crossed.  She is patent and tolerant and very conscious of the details that need to be addressed. 

 In the mediation her knowledge was the key to a possible solution to my situation. 

 We received a denial of modification a couple of days before the mediation with no explanation and no communication from my lender.  Undeterred, Angela looked at all of the situations and facts and explored all of the possible reasons for the denial.  While I know this is her job, she made sure we were well prepared for today and as a result of her going the extra mile we identified a couple of false statements by lender representatives and managed to educate both the Mediators and the Underwriters at the lender, that they may not be as informed as they think they are.

 The greatest part of all of this - as if that was not enough - she has been up front with me, she has advised me that there are no guarantees and there is a chance I could end up losing my home, but she has also given me the great feeling that if I do lose my home no one on the planet could have done a better job in making it come out otherwise.  Even in the face of an attorney that can only be described as hostile and barely maintaining any composure at all, Angela was confident without arrogance and was cool and calm, giving me great reassurance and strength.

Thank you so much for your insightful management in hiring her and providing her service in such a needed capacity.  No matter how this all ends up, I will always be grateful for the assistance Angela has provided.

To Whom it May Concern

I can’t begin to tell you how great it has been to have help me to restructure my mortgage.  She has literally saved my home from going into foreclosure.  Because of Donna, I am able to live in my home.

I went through a divorce and ended up with two upside down properties.  As a physician, I am unable to deal with my personal problems at work.  She had confidence in hr at the beginning of our working relationship.  All through this year she has stayed in communication with me, been patient and dependable.  Because of Donna, I have been able to focus on my patients and keep my house.

I am unable to get help on the other property because I do not live there.  I have had to deal with the lender directly.  I am unable to move the other property even though I have a buyer for it because of obstacles that the lender puts in the way.

Donna has been able to cut efficiently through the obstacles so I can stay in my home.  She has done a great job in helping me mediate with my lender.

I have found Donna to be courteous, professional and extremely knowledgeable.  As you can tell, I can’t say enough good things about her!


Thank you so much! I can't tell you how happy I am to be at this point, because when I first put my call in to you I was having such a hard time. I needed an outside and unbiased observer to help me sort through and make sense of things. In addition, I sort of blow people's minds when I tell them that while I was unemployed I paid off debt! People have this picture and/or idea in their heads about what an unemployed person looks or acts like. I did, too.....and it was a good moment when I realized that income is income, and that I can still use my income to strategically pay off balances and *gasp* even rent an apartment! I am thankful that my oldest son and I share a household, because he is now working full-time+, and we can move to the next step of looking at some bills (such as prior medical) that were not included in the AFS plan. We are in a great position to tackle those with confidence!

I am in a much better place today than I was when I called you the first time, and calling you was a significant first step in building my confidence and making commitments that it felt really good to stick to it. :)

Thank you so much!


Thanks so much and I will refer this program to anybody who comes into financial difficulties as I did.  You and Sara were wonderful to work with.  I am so happy that I am done.