If you have gotten into financial hot water, and are being hounded by debt collectors, you will definitely find American Financial Solutions website www.americanfinancialsolutions.org worth bookmarking. You can access credit counseling from expert debt counselors, plus tons of resources dedicated to helping consumers with their personal finance. The most careful consumer can find themselves in trouble when unforeseen expenses arise. Before you know it, you can be a month behind in payments for your mortgage and other bills, which become extremely difficult to catch up on an overstretched budget. You can call the number provided to contact a debt counselor directly and schedule an appointment or get started immediately, or fill out an online application with as much information as possible and have one call you back after a preliminary review of your situation. Regardless of how you contact a debt counselor at American Financial Solutions, they will work with you to come up with a practical action plan as a solution that will address your unique situation.
As new laws go into effect, American Financial Solutions credit and debt counselors stay up to date with the changes and how they can affect their clients. Recent changes made to protect consumers have also made it harder to get loans and credit. Additionally, new legislation passed in August of last year requires lenders to provide 45 days notice before increasing a borrowers interest rates. Unfortunately, many lenders have already increased their rates after the huge losses taken from the increase in mortgage defaults in the past year. Along with higher interest rates come larger minimum payments which combined with the struggling economy and rising unemployment rate has stretched budgets to the limits, putting millions of Americans on the edge of financial disaster with the possibility of losing their homes, vehicles and other assets to financial institutions. Speaking with a credit and debt counselor is a good way to find out how to best deal with your situation in this changing environment.
The debt counselors at American Financial Solutions can help you learn how to manage your finances and structure a plan to show deal with the debt you are struggling with. There are dozens of similar organizations that can help you, but American Financial Solutions is different in that you will be able to work with a single debt counselor over the course of your action plan and retain them as a primary contact for all your debt counseling in the future. This creates a strong bond of trust and identification of the needs of the client. Debt counselors that offer their services to you need to be highly trained and registered before handling your portfolio, and being allowed to give any type of advice. You can rest assured that American Financial Solutions’ debt counselors have the credentials of being fully accredited with the Association for Financial Counseling and Planning Education. Additionally, they must continue to gain approved credits to maintain their certification.
Most of American Financial Solutions services including debt counseling are offered at no charge, however some services including enrollment into an actual debt management plan and pre-bankruptcy counseling have a fee associated with them. You can learn more about services and possible fees by visiting www.americanfinancialsolutions.org or calling a debt counselor directly at the number provided. Debt Counselors are available from 6 a.m. to 7 p.m. Monday to Friday PST.