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TAKE CONTROL OF YOUR DEBT AND BUILD A SECURE FINANCIAL FUTURE

START YOUR DEBT FREE JOURNEY TODAY

Join over 500,000 people who have eliminated over $10 billion in debt with American Financial Solutions.

Non-Profit Debt Consolidation Agency

  • Reduced Monthly Payments
  • Lower Interest Rates
  • Simple One Monthly Payment
  • Pay Off Your Debt in 3-5 Years

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HOW OUR DEBT MANAGEMENT PLAN WORKS

Your Path to Financial Freedom

01

02

03

04

STEP 1

STEP 2

STEP 3

STEP 4

Apply Online: Fill out our form or give us a call

Our Team Contacts You: Personalized consultation

We Work with Your Creditors: Lower rates & payments

You Make One Monthly Payment Until You’re Debt-Free: Simplify your finances

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WAYS WE CAN HELP YOU ACHIEVE FINANCIAL FREEDOM

DEBT MANAGEMENT

A Debt Management Plan consolidates your debt payments into one easy monthly payment and helps you get lower interest rates and fees so that you can get out of debt for good.

STUDENT LOAN COUNSELING

Speak to a counselor who can help you find the resources to successfully manage your student loans. If you are confused or overwhelmed about managing your student loan debt, we will find answers that meet your needs.

EDUCATION & TOOLS

Find answers to your credit, debt & budgeting questions via our blog, classes and calculators and get answers to your burning credit, debt & budgeting questions via our online classes, blog and targeted resources.

HOME OWNERSHIP

More and more lenders require housing counseling prior to granting a loan. We provide comprehensive counseling to help you become mortgage ready and understand the ins and outs of purchasing and owning a home.

CREDIT COUNSELING

Our certified counselors will review your financial situation in a confidential session and pull your credit report if needed. They will then review the options available and help you choose the one that's best for you.

BANKRUPTCY COUNSELING

American Financial Solutions (AFS) is approved* by the Executive Office of the United States Trustees (EOUST) to provide the required pre-filing counseling and post-bankruptcy education and issue certificates.

CREDIT REPORT REVIEW

A credit counselor can pull and review your credit report and score with you and help you establish a plan for managing your credit and debts.

FORECLOSURE PREVENTION

Our skilled housing counselors will help you understand the foreclosure process and review options to help you avoid foreclosure which may include working with you and your lender to negotiate new mortgage terms.
START YOUR PATH TO FINANCIAL FREEDOM TODAY!

BENEFITS OF DEBT MANAGEMENT

Save on Interest Rates

Eliminate Unnecessary Fees

Consolidate Debts into One Easy Payment

Stop Collection Calls and Sleep Peacefully

START YOUR DEBT-FREE JOURNEY NOW

WHAT PEOPLE SAY ABOUT US

“Due to an unexpected illness, I suddenly found myself approaching bankruptcy and was extremely worried about my future. I found out about American Financial Solutions through a friend and it was the best decision I have ever made! My biggest concern was how this was going to affect my credit score over time. I am now fully paid off and my Fico score is over 800!! I can't say enough how much this program helped me. I was just paying the interest off of each credit card, which is what they want you to be doing. But as soon as I signed up, all of the interest rates were locked in at a very reasonable rate.”

– MATTHEW

“This program was one of the best decisions I made in helping to improve my credit issues. The key was consistency with payments and communication. I really liked how they kept me updated monthly with my progress, this not only kept me informed, but extremely motivated to complete the program. Also, my credit score increased over 250 points, and I was able to buy a house! I feel proud and grateful, thank you!”

– CHANTELLE

“I recall during the initial call being embarrassed, ashamed, and overall upset with the position I was in financially. The AFS representative was professional and helpful as we worked through the plan to proceed with the program. Any time I had questions, particularly when accounts started being paid off, I could talk and have all questions answered. I can't imagine how things could have turned out if not for the help from AFS.”

– LES

“The kind, professional, and informative personnel, helped me through a rough time and saw me to the end. I shall be forever grateful and would recommend their services to anyone in need of assistance with financial issues. AFS is the BEST. Many THANKS.”

– BRENDA C

“This program was one of the best decisions I made in helping to improve my credit issues. The key was consistency with payments and communication. I really liked how they kept me updated monthly with my progress, this not only kept me informed, but extremely motivated to complete the program. Also, my credit score increased over 250 points, and I was able to buy a house! I feel proud and grateful, thank you!”

– CHANTELLE

“I recall during the initial call being embarrassed, ashamed, and overall upset with the position I was in financially. The AFS representative was professional and helpful as we worked through the plan to proceed with the program. Any time I had questions, particularly when accounts started being paid off, I could talk and have all questions answered. I can't imagine how things could have turned out if not for the help from AFS.”

– LES

“The kind, professional, and informative personnel, helped me through a rough time and saw me to the end. I shall be forever grateful and would recommend their services to anyone in need of assistance with financial issues. AFS is the BEST. Many THANKS.”

– BRENDA C

“I recall during the initial call being embarrassed, ashamed, and overall upset with the position I was in financially. The AFS representative was professional and helpful as we worked through the plan to proceed with the program. Any time I had questions, particularly when accounts started being paid off, I could talk and have all questions answered. I can't imagine how things could have turned out if not for the help from AFS.”

– LES

“Due to an unexpected illness, I suddenly found myself approaching bankruptcy and was extremely worried about my future. I found out about American Financial Solutions through a friend and it was the best decision I have ever made! My biggest concern was how this was going to affect my credit score over time. I am now fully paid off and my Fico score is over 800!! I can't say enough how much this program helped me. I was just paying the interest off of each credit card, which is what they want you to be doing. But as soon as I signed up, all of the interest rates were locked in at a very reasonable rate.”

– MATTHEW

“Due to an unexpected illness, I suddenly found myself approaching bankruptcy and was extremely worried about my future. I found out about American Financial Solutions through a friend and it was the best decision I have ever made! My biggest concern was how this was going to affect my credit score over time. I am now fully paid off and my Fico score is over 800!! I can't say enough how much this program helped me. I was just paying the interest off of each credit card, which is what they want you to be doing. But as soon as I signed up, all of the interest rates were locked in at a very reasonable rate.”

– MATTHEW

“I recall during the initial call being embarrassed, ashamed, and overall upset with the position I was in financially. The AFS representative was professional and helpful as we worked through the plan to proceed with the program. Any time I had questions, particularly when accounts started being paid off, I could talk and have all questions answered. I can't imagine how things could have turned out if not for the help from AFS.”

– LES

“This program was one of the best decisions I made in helping to improve my credit issues. The key was consistency with payments and communication. I really liked how they kept me updated monthly with my progress, this not only kept me informed, but extremely motivated to complete the program. Also, my credit score increased over 250 points, and I was able to buy a house! I feel proud and grateful, thank you!”

– CHANTELLE

“The kind, professional, and informative personnel, helped me through a rough time and saw me to the end. I shall be forever grateful and would recommend their services to anyone in need of assistance with financial issues. AFS is the BEST. Many THANKS.”

– BRENDA C

SEE HOW WE CAN HELP YOU

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WHY THOUSANDS TRUST US

  • We’ve helped over 500,000 people find their path to financial freedom.
  • Our counselors are certified by the National Foundation for Credit Counseling (NFCC) and undergo ongoing training to ensure they provide the best solutions.
  • We have an A+ rating with the Better Business Bureau, meaning we operate with transparency and integrity.
CONTACT US TODAY

TAKE THE FIRST STEP TOWARDS DEBT FREEDOM TODAY!

Ready to start your journey to financial freedom? Take the first step now and get a personalized debt solution.

GET STARTED
CALL US 888.202.2994

GOT QUESTIONS? WE'VE GOT ANSWERS

Is debt management a good idea?

A debt management plan can be a smart option if you’re struggling with high interest rates on credit card debt and want a structured repayment plan. Working with a nonprofit credit counseling agency—such as one affiliated with the National Foundation for Credit Counseling (NFCC)—a certified credit counselor can help you lower interest rates, reduce late fees, and combine multiple debt payments into a single monthly payment. It’s especially useful for unsecured debts when your financial situation needs stability and a clear path to becoming debt-free.

What is the 7 7 7 rule for debt collection?

The 7 7 7 rule isn’t an official legal standard, but it’s often referenced in personal finance discussions about debt collectors and collection calls—generally meaning limits on contact frequency within a 7-day period. Always check your rights under debt collection laws and review your credit report if you’re dealing with aggressive lenders or collectors.

What is the meaning of debt management?

Debt management refers to organizing and repaying your debts through a structured repayment plan. This can include strategies such as a debt management program, debt consolidation, or the avalanche method to prioritize paying off high-interest debt. The goal is to reduce interest charges, simplify monthly payments, and improve your credit score over time.

How does a debt management plan work?

A debt management plan works by consolidating your unsecured debts—like credit card balances—into one monthly payment handled by a provider, typically a nonprofit organization. A credit counselor negotiates reduced interest rates with lenders, and you make a single monthly payment (sometimes including a small monthly fee). Over time, your debt payoff becomes more manageable without needing a new loan.

How long does a debt management program last?

Most debt management programs last between 3 to 5 years, depending on your total debt amount and monthly payment. The timeline is based on your repayment plan and financial goals, with consistent payments helping you become debt-free faster.

Can I use credit while on a DMP?

In most cases, you’ll need to stop using your credit card accounts while enrolled in a debt management plan. This helps prevent additional debt and keeps your repayment plan on track. Some lines of credit may remain open, but new credit is typically discouraged.

Can I still use my credit cards while on a DMP?

Generally, no. Most providers require you to close or stop using your credit card accounts during the debt management program. This ensures you focus on paying off existing credit card bills rather than adding new debt.

Is a debt management plan the same as debt consolidation?

No. A debt management plan is not a debt consolidation loan. Debt consolidation involves taking out a new loan, like a personal loan, to combine debts, while a DMP works with your existing creditors to lower interest rates and simplify payments without creating new credit.

How will a debt management plan affect my credit score?

A DMP may initially impact your credit score due to closed credit card accounts, but over time, it can improve your credit report by reducing credit card balances, lowering missed payments, and creating a consistent debt repayment history.

What are the benefits of a debt management plan?

Benefits include reduced interest rates, fewer late fees, a single monthly payment, and guidance from a certified credit counselor. It simplifies debt payments, helps manage high interest rates, and provides a clear path toward debt relief and long-term financial stability.

What are the best strategies for effective debt management?

Effective debt management strategies include working with nonprofit credit counseling, using the avalanche method to target high-interest rates, consolidating payments into a single monthly payment, and sticking to a structured payment plan. Regular financial counseling sessions can also help you stay aligned with your financial goals.

How to pay off $30,000 in debt in 1 year?

To pay off $30,000 quickly, focus on aggressive debt repayment strategies: cut expenses, increase income, and prioritize high-interest credit card debt using the avalanche method. Consider debt relief options like a debt management plan or a debt consolidation loan if your financial situation allows. Making more than minimum payments and avoiding new credit are key to accelerating your debt payoff.

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CONTACT US TODAY

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