Assist consumers in making informed decisions about managing their debt.  Credit experts will conduct a confidential counseling session to determine the specific financial situation and present the options available to help manage and pay off debts and improve long term credit standing.    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.  American Financial Solutions has relationships with creditors to put together a structured repayment plan to get clients 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.   A structured repayment plan will consolidate all of the clients accounts into a single consistent payment each month which can be automatically deducted from a bank account.  Once an account is paid in full, American Financial Solutions will roll that payment over to other accounts.