We negotiate your settlements for you. Your current level of unsecured debt will be skillfully negotiated for you, and essentially you will end up paying a fraction of the debt. Generally, we reduce your debt by 40-60% of the current total.

Low, affordable monthly payments. We will set you up with an affordable monthly payment, which is determined on a client-by-client basis between you and a counselor at American Financial Service. Based upon what you are able to pay each month into your settlement account, we can determine how many months you will be part of the program, and ultimately be debt free. Throughout the program, we communicate with your creditors, on your behalf. We assist you when dealing with aggressive, confrontational and abusive creditors or collectors.

Settling of Your Debt. Once you have retained our services, American Financial Service will commence the Service. American Financial Service will advise Client of all good faith offers made by creditors and debt collectors, and of their acceptance of any offers made by American Financial Service. American Financial Service will not settle any account without any approval of Client, who has absolute discretion to accept or reject any settlement offer. We can only settle a debt once the full funds are available in Clients settlement account