Credit Counseling Services That Work
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What Are The Benefits of Credit Counseling?
American Financial Solutions' goal is to assist you in making informed decisions about managing your debt. Our Credit Experts will conduct a confidential counseling session with you to determine your specific financial situation and present the options available to you to manage and pay off your debts and improve your long term credit standings.
One of the options available to our clients who are unable to make significant progress on their unsecured debt, have fallen behind and can't get caught up, or are dealing with the stress of collection calls is a Debt Management Plan. We are able to use our relationships with creditors to put together a structured repayment plan to get you on track and on the road to becoming debt free. Typical benefits may include:
- Lowering overall interest rates.
- Re aging of accounts. (Bringing your accounts current if you have fallen behind.)
- Elimination of late and over the limit fees.
Through the structuring of the repayment plan, we will consolidate all of your accounts into a single consistent payment each month which can be automatically deducted from your bank account on the date of your choice. Once an account is paid in full, we will roll that payment over to your other accounts. This allows you to more effectively manage the cash flow of your household and you can be debt free in as little as five years or less!
We do not charge for our counseling, education or referral services. If you choose to enroll in our Debt Management Plan we charge a one time set up fee which is determined by your state and the AICCCA code of practice up to a maximum of $75. There is also a monthly maintenance fee which also varies with a maximum of $50. For more information on the fees in your state please call us toll free 1-888-282-5899.
Counselors are available to help you reach your financial goals M-F 6:00am-6:00pm PST. Outside our business hours, leave us a brief message with your name, phone number and a good time to call you back. We will call you back during our normal working hours on the next business day.
