Credit
The use of debt settlement services may adversely affect your credit.
Unsecured debt options, explained clearly
Understand your debt options.
Review your situation, available paths, and the tradeoffs that matter before deciding what comes next.
- Fast intake
- Clear options
- Human support
- Plain-English guidance
- Free consultation
Verify AFPKnow who you are contacting.
Call866-330-4902
Emailinfo@afpdebts.com
Mailing address3400 Cottage Way, Ste G2 #32680
Sacramento, CA 95825
Sacramento, CA 95825
PoliciesPrivacy and consent
Debt settlement is a serious financial decision.
It is not a universal fit. Credit impact, continued collection activity, lawsuits, taxes, fees, and uncertain outcomes belong in the main conversation.
Collections
Debt settlement may result in continued collection activity or lawsuits.
Outcomes and taxes
Results vary, and forgiven debt may be taxable.
Know what happens before you begin.
A clear first conversation should help you understand the process, not pressure you into a decision.
View the Full Process- 01
Share the picture
Discuss your debt, current situation, and goals.
- 02
Review the options
Ask questions and hear available paths explained clearly.
- 03
Understand the tradeoffs
Review what each possible direction may involve.
- 04
Choose what comes next
Decide only after your questions are answered.
Resources
Read before you request anything.
Review the decision, the first conversation, and the company information on your own time.
Decision guideWhat to know before considering debt settlement→
Common questionsDirect answers about the first conversation→
Company informationVerify AFP’s approach and published policies→
Open all resources
Ready to understand your options?
Free consultation. No obligation. Outcomes vary.