Debt Settlement

Debt Settlement also known as Debt Negotiation is a cost-effective option to settle your debts and relieve you of having to file bankruptcy. Debt Settlement is a proactive approach for debtors experiencing the stress of too much debt. We understand the stress and struggle of living with an overwhelming amount of debt, and our goal is to settle your debt so that you can begin living the lifestyle you've been dreaming about. If you're simply paying minimum monthly payments, then surely it feels like you are spinning your wheels, getting nowhere. Our program, through negotiation, could cut your debt down to a fraction of what you currently owe. So, you could end up paying only a fraction of the debt! Our program is custom-built for each client’s current personal and financial situation and level of debt in order to make the process as quick and affordable for you.

Our negotiation process has been tested and developed over years of experience by our team of professionals in the field of finance and credit card debt. Our professionals are highly skilled in each of their fields of expertise. Through the established relationships that we have with the creditors and financial institutions, we are often able to successfully negotiate the debts of our clients at a substantial discount. Creditors are often willing to negotiate a debt with American Financial Service, on behalf of our clients, with the understanding that the settled amount will be paid in a timely manner. Furthermore, creditors are often looking to avoid the ineffective and costly efforts of an outside collection company. We continually develop our relationships with creditors throughout the country, and we always maintain a very professional and cooperative relationship with the creditors in order to reach the most favorable settlement offer for our clients. We work directly, and 100% for you.

Debt settlement is a legitimate way of solving your problem without the need for bankruptcy. Our representatives work each case individually to determine your eligibility and then, if you qualify, they will establish a program that allows settlement of the debt through a affordable monthly debt settlement program payment. This approach reduces your debt vs. consolidation options. Our approach assists you by reducing the time to repay the debt and by lowering the total amount you owe.

For more information, complete our brief form for a free 10 minute evaluation. A representative will contact you to discuss how to get started today. There is no cost or obligation.