Debt Management & Other Financial Services

At American Financial Solutions, we offer debt management and financial education services to those seeking to improve their financial standing. We understand that each individual's financial situation is unique, so we provide a personalized action plan based on your debt amount and financial hardship. 

Our clients are matched with a certified credit counselor who reviews their goals, finances, and creditors, then devises a repayment plan that suits their specific needs. It's important to note that debt management may not be the ideal solution for everyone, which is why our credit counselors work one-on-one with you to determine the best course of action for your situation. 

Our Financial Services

American Financial Solutions proudly offers multiple services to clients seeking financial freedom. From our Debt Management Plan to counseling and education services, learn more about our financial services below.

Our Debt Management Plan

Our flagship Debt Management Plan consolidates your individual debt payments into one easy monthly payment. Our debt counselors will work with your creditors and help you get lower interest rates & fees so that you can get out of debt faster.
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Our Certified Credit Counselors Are Here To Help

Our certified credit counselors receive rigorous training internally as well as through external organizations in order to become certified under American Financial Solutions. They begin in-house training upon hire and are required to maintain their education & certification status routinely. Our counselors are certified through the National Foundation for Credit Counseling (NFCC) and the Association for Financial Counseling and Planning Education (AFCPE).

Leverage Our Creditor Relationships

At AFS, we have established strong and valuable partnerships with a multitude of creditors. Our Debt Management Plan effectively negotiates with creditors to secure lower interest rates, reduced payments, and even waived fees. Our clients can trust in the expertise of our reliable professionals to skillfully advocate on their behalf, providing peace of mind and financial stability.

Get a free, no-obligation Debt Consolidation Consultation

Contact American Financial Solutions to speak with a certified debt counselor with a free, no-obligation consultation. For those seeking options to control their debt, get started now!

Free, Online Financial Management & Debt Management Courses

American Financial Solutions has created ten online personal finance courses that teach the essentials of smart money management including debt management, credit card debt management, budgeting, and investing.

These free, 30-minute online courses will be crucial to your financial success.
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Bankruptcy Counseling

The sole purpose of bankruptcy counseling is to develop a picture of your current financial situation. American Financial Solutions (AFS) is approved to provide consumers with the required pre-filing counseling and post-bankruptcy education and issue certificates.

American Financial Solutions is here to help you with personal issues regarding bankruptcy.
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Home Ownership Counseling

Buying a home is one of the biggest credit decisions you will ever make. Additionally, lenders often require housing counseling prior to granting a loan to consumers. 

American Financial Solutions provides comprehensive counseling services to help you fully understand the home-buying process & be mortgage-ready.
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Foreclosure Prevention

If you’re concerned about missing mortgage payments on your home or losing your home, you don't have to face it alone.

Our skilled housing counselors will help you understand the foreclosure process and review options to help you avoid foreclosure, including working with you and your lender to negotiate new mortgage terms.
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Student Loan Counseling

Feeling overwhelmed by student loan debt? American Financial Solution is here to help.

Speak to a counselor who can help you find the resources to successfully manage your student loans. Our certified student loan counselors will work with you and your loan servicers to ensure the best outcome for your goals.
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Our Expanded Services: AFS’s Holistic Approach to Financial Counseling

At American Financial Solutions (AFS), we believe that financial stability is for everyone—regardless of background, past experiences, or financial hardships. Our certified counselors offer personalized, nonprofit credit counseling designed to meet the unique needs of every client. In addition to our core financial counseling services, we provide nonprofit financial guidance, trauma-informed counseling, and financial equity initiatives to support individuals on their journey to financial well-being.
Nonprofit Credit Counseling: Unbiased Financial Guidance You Can Trust

Unlike for-profit credit counseling agencies that may prioritize selling financial products, AFS is a nonprofit organization dedicated to your financial success, not profits. Our mission-driven approach ensures that every client receives honest, transparent, and practical financial guidance tailored to their unique situation.

How We Support You:

• Free or Low-Cost Counseling: Financial assistance should be accessible to everyone. Our nonprofit structure ensures affordability without compromising the quality of our services.
• Personalized Debt Relief Solutions: Whether you're struggling with credit card debt, medical bills, or personal loans, we help you explore the best options for debt repayment and relief.
• Budgeting and Money Management Support: Our certified counselors provide customized budgets and spending plans to help you regain control of your finances.

Why Choose Nonprofit Counseling?

• We work for you, not creditors—ensuring unbiased, client-first financial advice.
• We provide education-based solutions, so you have the knowledge and tools to make informed financial decisions.
• We focus on long-term financial success, helping you build better money habits and avoid debt in the future.

Ready to take the first step toward financial independence? Speak with a Certified Counselor Today

Trauma-Informed Financial Counseling: Supportive & Compassionate Guidance

Financial struggles are more than just numbers on a spreadsheet—they can be deeply stressful and emotionally overwhelming. At AFS, our counselors are trained in trauma-informed financial counseling, providing a safe, judgment-free space where you can talk about your financial challenges with compassionate support. Compassion-first financial guidance helps clients stay engaged, helping them regain financial control without fear or shame.

How Our Trauma-Informed Approach Helps You:

• Non-Judgmental Counseling: We understand that financial difficulties can stem from many life experiences, including job loss, financial abuse, medical emergencies, or housing insecurity. Our approach ensures respect, empathy, and dignity in every conversation.
• Rebuilding Financial Confidence: We help you regain control over your finances, guiding you step-by-step through budgeting, debt management, and financial goal-setting in a way that reduces stress and anxiety.
• Breaking the Cycle of Financial Avoidance: Many people avoid their finances due to past trauma. Our counselors help you regain control by providing manageable, step-by-step strategies to move forward.

Looking for financial help in a safe, judgment-free environment? Schedule a Confidential Session

Advancing Racial Equity & DEI in Credit Counseling

Systemic barriers in finance have disproportionately impacted communities of color and historically marginalized groups. At AFS, we are committed to promoting financial equity by ensuring that our credit counseling services are inclusive and accessible to everyone. We offer tailored solutions to help break cycles of poverty through equitable access to resources.

How We Support Financial Equity:

• Culturally Competent Counseling: Our counselors understand racial wealth gaps, lending disparities, and predatory lending practices that have historically impacted BIPOC communities. We provide financial solutions that address these unique challenges.
• Financial Literacy Programs for Underserved Communities: We offer free educational resources and workshops tailored to address credit access, homeownership challenges, and wealth-building strategies.
• Advocacy & Financial Empowerment: We educate clients on fair lending practices, financial rights, and how to navigate credit and banking systems effectively.

Want to take control of your financial future? Connect with a Counselor Who Understands Your Needs

Take the First Step Toward Financial Stability

No matter where you are in your financial journey, AFS is here to help. Our certified counselors provide expert, judgment-free guidance to help you overcome debt, gain financial confidence, and build a stable future.

Get Started Today – Speak with a Certified Financial Counselor
 

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