How AFS Works

Program Details

Our Debt Settlement Program is actually quite simple. Your current level of unsecured debt will be skillfully negotiated for you, and essentially you could end up paying a fraction of the debt. We will set you up with an affordable monthly settlement program payment, which is determined on a client-by-client basis between you and a counselor at AmericanFinancial Service. Based upon what you are able to pay each month into your settlement account, we can estimate how many months you will be part of the program, and ultimately get back on the path to financial freedom.

Upon enrollment, we will immediately contact each of your creditors, individually, and let them know that we are now representing you, and also let them know of your interest in settling your debt with them. Reaching a settlement usually takes several phone calls and communication between AmericanFinancial Service and the creditor. Once a settlement offer has been reached, and you as the client have agreed on this amount, we will obtain that settlement offer in writing from the creditor and will then advise the client on how to disperse funds to the creditor.M

At that point, the creditor has accepted the payment in full, and you are free of that debt forever. AmericanFinancial Service will diligently continue to work on negotiating all of your debts, until you are finally free from the once overwhelming debt that you started our program with.

Our main goal is to get you out of debt. We work only for our clients; not for the benefit of the creditors. Getting out of debt is the first step to becoming financially secure, and debt settlement may be your best option

Our Vision & Values

AmericanFinancial Service's 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 able to successfully negotiate the debts of our clients at a substantial discount. Creditors are willing to negotiate a debt with AmericanFinancial 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. AmericanFinancial Service continues to 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 repayment of the debt through affordable monthly settlement program payments. 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 fill out the Free Consultation form on the right side of the home page. At American Financial Service Representative will contact you to discuss how to get started today. There is no cost or obligation