Free conversation
Talk with a certified debt specialist
We learn about your income, expenses and debts, then walk through the pros and cons of each option so you can decide what feels right for your household.
Free, no-obligation debt review
One Simple Plan To Clear Your Debt Faster.
American Financial Solutions (AFS) helps you simplify high-interest debt into one manageable program — so you can lower payments, avoid years of interest, and move confidently toward a debt-free life.
40–50% average savings before fees for completed programs*
No upfront enrollment fees
Dedicated debt specialist
*Not a guarantee. Results vary by client, creditor and program participation.
How our program works
Straightforward steps toward financial breathing room.
AFS reviews your situation, designs a strategy to negotiate with your creditors, and guides you from the first call to your final settlement.
Custom plan
Build one affordable monthly deposit
Together we design a single program payment that fits into your budget. Those funds accumulate in a dedicated account in your name as we prepare to negotiate.
Negotiation
We negotiate. You focus on rebuilding.
AFS negotiates with participating creditors to reduce your balances. Each time a settlement is approved and funded, that account is marked as resolved on your behalf.
FAQs
Answers to common questions about American Financial Solutions.
Still unsure how debt relief works or if it’s right for you? These quick answers can help — and our specialists are always available to go deeper.
How is American Financial Solutions different from a traditional loan?
AFS is not a bank and does not issue new credit. Instead, we create a strategy to negotiate your existing unsecured debts — such as credit cards and personal loans — for less than you owe, while consolidating them into one program deposit.
What types of debt can AFS help with?
We typically work with high-interest unsecured debts including credit cards, personal loans, lines of credit, and some medical bills. Secured debts like auto loans and mortgages are generally not eligible.
Will this hurt my credit score?
Enrolling in a debt resolution program usually has a negative impact on your credit in the short term, because you are paying less than what you originally agreed to. Many clients feel that temporary impact is worth the opportunity to become debt free sooner. Your specialist can walk through what this could mean in your specific situation.
When do I pay fees to American Financial Solutions?
AFS does not charge any upfront enrollment fees. Program fees are only earned after a settlement has been reached and approved by you. Fees are based on a percentage of the eligible debt enrolled and can vary by state.