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Facts About American Financial Solutions

American Financial Solutions is one of the nation’s largest non-profit credit and financial counseling agencies.

Our Mission
The mission of AFS is to empower people to improve the quality of their lives through financial education and counseling.

Our Work
American Financial Solutions helps clients free themselves of the anxiety and stress of credit, debt and financial worries. We offer free financial education and credit counseling services that put clients in control of their financial success. In confidential, one-on-one counseling sessions, our certified credit counselors help clients assess their situation and needs, inform them of options to address their goals and provide ongoing support to see that clients follow their plan. We advise clients on a variety of debt solutions to reduce and repay credit card, medical and other unsecured debt.

For clients who need assistance repaying their unsecured debts, we offer also a Debt Management Plan (DMP). The benefits of the DMP include one monthly payment, reduced or eliminated interest rates, stopping collection calls, and in some cases, bringing past due accounts back to a current status. The DMP can help with unsecured debts, such as credit cards, medical bills, and collection accounts.

Our other services include:

  • Foreclosure intervention and assistance 
  • Pre-purchase housing counseling
  • Pre-bankruptcy counseling
  • Post-bankruptcy debtor education
  • Student loan counseling
  • Financial education classes 

Our agency is headquartered in Bremerton and Seattle, Washington. We are approved to provide credit and financial counseling in 50 states and the District of Columbia. Additonally, we are approved to provide pre-bankruptcy counseling certification and post-bankruptcy debtor education certification in all states except for Alabama. We provide mortgage foreclosure intervention counseling and pre-purchase housing counseling to clients in Washington State.

American Financial Solutions was founded in (1999) as a division of the North Seattle Community College Foundation, a non-profit organization.

National Affiliations

  • American Centers for Credit Education
  • Better Business Bureaus of Washington, Oregon and Alaska (BBB)
  • Council on Accreditation
  • Executive Office for United States Trustees
  • Fannie Mae
  • National Foundation for Credit Counseling (NFCC)
  • NeighborWorks America
  • Prosperity Now
  • Rural Community Assistance Corporation (RCAC)
  • U.S. Department of Housing and Urban Development (USDA)

Local Partnerships

  • Bank on Washington
  • Bank on Seattle - King County
  • Bellevue College
  • Bremerton Area Chamber of Commerce
  • Bremerton Housing Authority
  • City of Bremerton
  • Community Frameworks
  • Connection Credit Union
  • Coffee Oasis
  • Financial Empowerment Network
  • Habitat for Humanity
  • HomeStreet Bank
  • HopeLink
  • Housing Hope
  • International Union of Operating Engineers (Local 302)
  • International Brotherhood of Electrical Workers (Local 46)
  • Kitsap Asset Building Coalition
  • Kitsap Community Resources
  • Kitsap County Consolidated Housing Authority
  • Kitsap Credit Union
  • Kitsap Housing Coalition
  • Kitsap Legal Services
  • Neighborhood House (Washington)
  • New Beginnings
  • North Seattle College
  • Northwest Access Fund
  • Northwest Justice Project
  • Port Jobs
  • Prosperity Agenda
  • Puget Sound Electrical Joint Apprenticeship and Training Committee
  • Seattle Goodwill
  • S’Klallam Tribe
  • Solid Ground
  • Sound Connection
  • South Puget Intertribal Planning Agency
  • United Way of Pierce County
  • Washington Homeownership Center
  • Washington State Asset Building Coalition
  • Washington State Attorney General’s Student Loan Workgroup
  • Washington State Building and Trades Council’s Pre-apprenticeship Trades Rotation Program
  • Washington State Department of Financial Institutions (DFI)
  • Washington State Housing Finance Commission
  • YWCA of Snohomish-King County