Business Details
In 21 years, American Financial Solutions has assisted over 450,000 people in paying off over $9 Billion in debt. Our certified counselors will help you to determine your current financial situation, make a plan to get out of debt, set financial goals and plan for the future. Your counselor will review your credit report, analyze your financial situation and help you find the option that's best for you.
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. 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.
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.
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. 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.
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.
Services
About
Founded in 1999, American Financial Solutions has assisted over 450,000 people pay off over $9 billion in debt.
Our certified counselors will help you to determine your current financial situation, make a plan to get out of debt, set financial goals and plan for the future.
Taking action in the face of overwhelming financial challenges is hard.
Getting advice, direction and encouragement from someone you trust can make all the difference.
That's why our counselors are the heart and soul of AFS.
Our certified counselors will help you to determine your current financial situation, make a plan to get out of debt, set financial goals and plan for the future.
Taking action in the face of overwhelming financial challenges is hard.
Getting advice, direction and encouragement from someone you trust can make all the difference.
That's why our counselors are the heart and soul of AFS.
Credit Report Review
Have you checked your credit report lately?
We know that reading a credit report can be a confusing process.
Uncertainty over debts, how to handle errors and how to read the notations can be overwhelming.
Yet, not reviewing your report can be dangerous to your financial health.
Maybe a low credit score is affecting your ability to obtain credit or low interest rates?
Do you have old debt that may be keeping your score low?
Are you worried about identity theft?
Do you want to get out of debt?
A credit counselor can pull and review your Experian credit report with you and help you establish a plan for managing your credit and debts.
We know that reading a credit report can be a confusing process.
Uncertainty over debts, how to handle errors and how to read the notations can be overwhelming.
Yet, not reviewing your report can be dangerous to your financial health.
Maybe a low credit score is affecting your ability to obtain credit or low interest rates?
Do you have old debt that may be keeping your score low?
Are you worried about identity theft?
Do you want to get out of debt?
A credit counselor can pull and review your Experian credit report with you and help you establish a plan for managing your credit and debts.
What Is Credit Counseling
American Financial Solutions, a non-profit agency, helps clients free themselves from the anxiety and stress of credit, debt and financial worries.
We offer credit counseling, financial education and debt management services that put clients in control of their financial success.
Our services will help you get back on your feet step by positive step.
In a confidential, one-on-one counseling session, our certified credit counselors will help you assess your situation.
We can then inform you of debt management options that will allow you to get your finances under control and allow you to pay off your debts, improve your long-term credit standings or resolve other issues you may be facing.
We offer credit counseling, financial education and debt management services that put clients in control of their financial success.
Our services will help you get back on your feet step by positive step.
In a confidential, one-on-one counseling session, our certified credit counselors will help you assess your situation.
We can then inform you of debt management options that will allow you to get your finances under control and allow you to pay off your debts, improve your long-term credit standings or resolve other issues you may be facing.
Why Choose AFS
At AFS, our mission is twofold!
As a trusted non-profit, we are dedicated to helping people change their financial lives for the better, and as part of the North Seattle Community College Foundation, we work to support a local community college with scholarships for needy students and with special educational programs.
AFS is a respected leader in the credit counseling and financial education field.
We are often called on to provide expert opinions for legislative topics and news articles related to personal finances.
As a trusted non-profit, we are dedicated to helping people change their financial lives for the better, and as part of the North Seattle Community College Foundation, we work to support a local community college with scholarships for needy students and with special educational programs.
AFS is a respected leader in the credit counseling and financial education field.
We are often called on to provide expert opinions for legislative topics and news articles related to personal finances.
Client Success Stories
Below is an example of success, one of our clients had, after enrolling in the debt management plan.
Keep scrolling to see more comments from clients who worked with our credit counselors to find a unique debt solution!
It can be life changing!
This is John.
He had $38,327 in debt.
He was worried and not sure of the best way to pay the debt off.
He did know that if he didn't do something, he was on track to repay $175,340 over more than 30 years.
John researched ways to get out of debt and found American Financial Solutions (AFS).
Keep scrolling to see more comments from clients who worked with our credit counselors to find a unique debt solution!
It can be life changing!
This is John.
He had $38,327 in debt.
He was worried and not sure of the best way to pay the debt off.
He did know that if he didn't do something, he was on track to repay $175,340 over more than 30 years.
John researched ways to get out of debt and found American Financial Solutions (AFS).
Student Loan Counseling
Everyone has dreams they want to achieve.
At American Financial Solutions, our job is to help people find solutions to their student loan debts that improve their financial lives.
You have more than one option.
Get your plan from a certified student loan counselor now!
Our certified student loan counselors will work with you and your loan servicers to ensure the best outcome for your goals.
At American Financial Solutions, our job is to help people find solutions to their student loan debts that improve their financial lives.
You have more than one option.
Get your plan from a certified student loan counselor now!
Our certified student loan counselors will work with you and your loan servicers to ensure the best outcome for your goals.
FAQ's
Every year, American Financial Solutions receives calls from thousands of people with questions about how to change their financial lives for the better.
Don't see your question here?
Ask a Counselor!
Submit your question using the form on your right and a certified credit counselor will provide a personalized response within two business days.
I let my mother have 2 credit cards in my name about 5 years ago.
She completely messed up my credit.
I know that it is my name on the cards and I am responsible but I don't have the money to pay them.
Don't see your question here?
Ask a Counselor!
Submit your question using the form on your right and a certified credit counselor will provide a personalized response within two business days.
I let my mother have 2 credit cards in my name about 5 years ago.
She completely messed up my credit.
I know that it is my name on the cards and I am responsible but I don't have the money to pay them.
What can I expect on a Debt Management Plan
Where do I start?
Taking action in the face of overwhelming financial worries can be hard.
Getting advice, direction and encouragement from someone you trust can make all the difference.
That's the first thing to expect from American Financial Solutions: you'll talk with someone who cares about your success.
Pick up the phone and call today.
If you're looking for help with debt management, credit counseling, or a host of other financial education services we offer, you can also get started by filling out the online application.
Taking action in the face of overwhelming financial worries can be hard.
Getting advice, direction and encouragement from someone you trust can make all the difference.
That's the first thing to expect from American Financial Solutions: you'll talk with someone who cares about your success.
Pick up the phone and call today.
If you're looking for help with debt management, credit counseling, or a host of other financial education services we offer, you can also get started by filling out the online application.
Debt Management, Debt Consolidation, Debt Settlement - How to...
These are similar terms but mean different things.
Many people get them confused.
Here is a short description of what each term means and you can always call us for more clarification.
And you will be debt free in 5 years or less and have support from AFS professional counselors all along the way.
Debt Consolidation normally refers to a loan that consolidates debt payments, however, many people confuse this term with Debt Payment Consolidation which is what we can offer through our Debt Management Plan.
Many people get them confused.
Here is a short description of what each term means and you can always call us for more clarification.
And you will be debt free in 5 years or less and have support from AFS professional counselors all along the way.
Debt Consolidation normally refers to a loan that consolidates debt payments, however, many people confuse this term with Debt Payment Consolidation which is what we can offer through our Debt Management Plan.
Resources
Use these resources to view a copy of your credit report and/or request your credit score.
You should review your credit report annually to check for any errors that could impact your credit.
You can also use these resources to identify your private student loan information.
The CFPB is responsible for monitoring consumer financial products and services, including credit cards, mortgages, and student loans.
Read reports about relevant issues, participate by sharing your own experiences, or even submit a complaint if you need the CFPB's help to resolve a dispute.
You should review your credit report annually to check for any errors that could impact your credit.
You can also use these resources to identify your private student loan information.
The CFPB is responsible for monitoring consumer financial products and services, including credit cards, mortgages, and student loans.
Read reports about relevant issues, participate by sharing your own experiences, or even submit a complaint if you need the CFPB's help to resolve a dispute.
Home Ownership Counseling
Buying a home is one of the biggest credit decisions people ever make.
American Financial Solutions (AFS) offers consumer credit counseling and housing counseling to clients in Washington State to help them make smart choices as they prepare to purchase a home.
In confidential, one-on-one counseling sessions, our certified housing counselors will help you assess your current income and assets, versus your monthly expenses and debts.
Counseling is available in both English and Spanish.
We have included our Pre-Purchase Counseling Intake Packet above for your convenience.
American Financial Solutions (AFS) offers consumer credit counseling and housing counseling to clients in Washington State to help them make smart choices as they prepare to purchase a home.
In confidential, one-on-one counseling sessions, our certified housing counselors will help you assess your current income and assets, versus your monthly expenses and debts.
Counseling is available in both English and Spanish.
We have included our Pre-Purchase Counseling Intake Packet above for your convenience.
Foreclosure Prevention Counseling
Are you facing or worried about potential foreclosure on your home mortgage?
If you are behind or anticipate not being able to keep up with your house payments, we can work with you to try and find a debt solution that allows you to keep your home.
American Financial Solutions (AFS) is a housing counseling agency that offers assistance to clients in Washington State to help them remain homeowners.
AFS is a sub-grantee of the Washington State Housing Finance Comission www.wshfc.org.
In a confidential, one-on-one counseling session, our housing counselors will help you assess your situation - with respect to your home mortgage and other outstanding debt, inform you of options and work directly with your lender to try to find a debt solution that you can live with.
If you are behind or anticipate not being able to keep up with your house payments, we can work with you to try and find a debt solution that allows you to keep your home.
American Financial Solutions (AFS) is a housing counseling agency that offers assistance to clients in Washington State to help them remain homeowners.
AFS is a sub-grantee of the Washington State Housing Finance Comission www.wshfc.org.
In a confidential, one-on-one counseling session, our housing counselors will help you assess your situation - with respect to your home mortgage and other outstanding debt, inform you of options and work directly with your lender to try to find a debt solution that you can live with.
USDA Rural Home Ownership
Also known as the Section 502 Direct Loan Program, this program assists low- and very-low-income applicants obtain decent, safe and sanitary housing in eligible rural areas by providing payment assistance to increase an applicant's repayment ability.
Payment assistance is a type of subsidy that reduces the mortgage payment for a short time.
The amount of assistance is determined by the adjusted family income.
AFS can assist potential homeowners in these states, in completing the application and understanding the program requirements.*
Payment assistance is a type of subsidy that reduces the mortgage payment for a short time.
The amount of assistance is determined by the adjusted family income.
AFS can assist potential homeowners in these states, in completing the application and understanding the program requirements.*
Pre-Bankruptcy Counseling
This session will take about an hour and you will receive your certificate upon completion of the session.
Your counselor will provide you with a broad overview of the federal bankruptcy law; however, counselors may not offer you legal advice.
The key purpose of bankruptcy counseling is to develop a picture of your current financial situation.
This will give you the knowledge you need to determine if there are options other than bankruptcy to eliminate your debts in a reasonable time period while maintaining a balanced budget.
Your counselor will provide you with a broad overview of the federal bankruptcy law; however, counselors may not offer you legal advice.
The key purpose of bankruptcy counseling is to develop a picture of your current financial situation.
This will give you the knowledge you need to determine if there are options other than bankruptcy to eliminate your debts in a reasonable time period while maintaining a balanced budget.
Post-Bankruptcy Debtor Education
American Financial Solutions has over 15 years of experience educating consumers and clients about money and credit.
This agency is a member of the National Foundation for Credit Counseling (NFCC).
The NFCC has high standards for quality credit counseling and financial education, and this agency complies with those standards.
In addition, this agency is accredited by the Council on Accreditation (COA) an independent third-party organization that reviews and monitors entities that provide social services.
This agency is a member of the National Foundation for Credit Counseling (NFCC).
The NFCC has high standards for quality credit counseling and financial education, and this agency complies with those standards.
In addition, this agency is accredited by the Council on Accreditation (COA) an independent third-party organization that reviews and monitors entities that provide social services.
Classes
American Financial Solutions has created ten powerful personal finance courses that you can take online for free.
Investing in Yourself is a series of programs that teach the essentials of smart money management including, debt management, credit card debt management, budgeting and investing.
Most classes take just 30 minutes and can be taken in any order.
They are followed by a 10-question quiz to test your understanding.
If you register and successfully complete these courses, you will receive a certificate which you may send to the credit bureaus to add to your credit report file.
Investing in Yourself is a series of programs that teach the essentials of smart money management including, debt management, credit card debt management, budgeting and investing.
Most classes take just 30 minutes and can be taken in any order.
They are followed by a 10-question quiz to test your understanding.
If you register and successfully complete these courses, you will receive a certificate which you may send to the credit bureaus to add to your credit report file.
Budget & Calculators
Use our interactive budget form to get started on a plan for achieving your financial goals.
Use this calculator to determine how long it will take you to pay off your credit cards and how much you will pay in interest.
The first step in buying a house is determining your budget.
The mortgage qualifier calculator walks you through the process of finding out how much you can borrow.
You can calculate your mortgage qualification based on income, purchase price or total monthly payment.
This calculator will help you to decide whether or not you should refinance your current mortgage.
Use this calculator to determine how long it will take you to pay off your credit cards and how much you will pay in interest.
The first step in buying a house is determining your budget.
The mortgage qualifier calculator walks you through the process of finding out how much you can borrow.
You can calculate your mortgage qualification based on income, purchase price or total monthly payment.
This calculator will help you to decide whether or not you should refinance your current mortgage.
Contact Us
At AFS the health and safety of our clients and our staff are our top priority.
Out of concern for their health, we are unable to accommodate walk-in clients and will only provide services via telephone or email.
This action, and the need for preventative measures may increase call wait times.
We thank you for your patience during this unusual time.
Regular business hours: Counselors are available to assist you Monday through Friday 6:00am - 6:00pm Pacific Time.
Please feel free to leave us a message outside of these hours and we will call you back the following business day.
Out of concern for their health, we are unable to accommodate walk-in clients and will only provide services via telephone or email.
This action, and the need for preventative measures may increase call wait times.
We thank you for your patience during this unusual time.
Regular business hours: Counselors are available to assist you Monday through Friday 6:00am - 6:00pm Pacific Time.
Please feel free to leave us a message outside of these hours and we will call you back the following business day.
Leadership
American Financial Solutions is a division of North Seattle Community College Foundation, a non-profit agency.
It is governed by a Board of Trustees.
In June of 2012 she was appointed President.
Her prior positions include senior business consulting and management as a Senior Audit Manager with the accounting firm Grant Thornton, LLP, where she worked with a variety of publicly and privately held manufacturing, distribution, real estate and not-for-profit organizations.
Prior to joining American Financial Solutions, she was the Vice President of Finance for a venture capital firm specializing in companies that develop Internet applications, where she oversaw the accounting functions and financial reporting for twelve companies.
It is governed by a Board of Trustees.
In June of 2012 she was appointed President.
Her prior positions include senior business consulting and management as a Senior Audit Manager with the accounting firm Grant Thornton, LLP, where she worked with a variety of publicly and privately held manufacturing, distribution, real estate and not-for-profit organizations.
Prior to joining American Financial Solutions, she was the Vice President of Finance for a venture capital firm specializing in companies that develop Internet applications, where she oversaw the accounting functions and financial reporting for twelve companies.
