ACS is a next-generation Finance Technology (FinTech) company that uses a proprietary online platform designed to provide debt relief to our clients, allowing them to restructure their unsecured debt payments, pay only a fraction of the debt they owe, and become debt-free faster than they ever thought was possible.

American Consumer Solutions™ provides debt relief for those who are overburdened with unsecured debt including credit cards, personal loans, and medical bills.

When it comes to debt relief, you have several options available to you.

There are three ways you can save thousands of dollars (or more) by working with American Consumer Solutions™ to negotiate your credit card and other unsecured debts:

American Consumer Solutions™ charges NO fees until you approve the settlement agreement and your debts are settled. There are NO sign-up fees, NO cancellation fees, and there’s absolutely NO obligation for you to complete ACS’s™ debt resolution program if you choose.

According to the American Fair Credit Council (AFCC), of which American Consumer Solutions™ is an accredited member, Americans are experiencing a debt crisis, with national credit card debt eclipsing $1 trillion. And as you’re likely aware – it’s only getting worse.

American Consumer Solutions™ debt relief program was created to resolve your debt for a fraction of what you owe, as quickly as possible.

For many people, it certainly can be!

If you live in a state we service and you are struggling with more than $7,500 of unsecured debts, including credit cards, medical bills, department store and personal loans… then you qualify for American Consumer Solutions™ debt relief program.

It depends on a variety of factors including how much debt you have, what your income is, and who your creditors are.

Debt consolidation combines multiple debts (like credit cards, personal loans, and medical bills) into one loan with a fixed monthly payment, and often with a reduced and fixed interest rate. This typically requires a higher credit score for approval. 

Debt relief, on the other hand, reduces your total debt balance. Your debts are negotiated down, allowing you to pay less than you owe. The creditors forgive the remaining balances in  transactions called settlements.

Bankruptcy is generally seen as a financial last resort to dealing with excessive debt and can come with long-term negative consequences. It may adversely impact your credit score for up to 10 years. You may also be denied employment, certain state licenses, insurance, and even the opportunity to occupy a rental for personal housing or business. Plus, you also run the risk that major personal assets (like a home, auto, and certain other investments) could be seized, causing you to lose that personal property in order to satisfy the bankruptcy judgment. 

Debt relief, on the other hand, is the process of negotiating your outstanding debts by using a combination of debt forgiveness and a reasonable payment plan to help you become debt-free. American Consumer Solutions™ debt resolution program is designed to have your enrolled debt paid off in as little as 20-48 months.

It’s perfectly normal to see a decline in your credit score during the first stage of the debt resolution process.

Many of our clients experienced hardships and were seeing credit score declines by the time they enrolled, due to their credit utilization and debt-to-income ratio. Just remember that you’re going through hardship, and part of getting past this phase of life and getting out of debt is a temporary dip in your credit score.

The reality is, even though it may seem alarming, noticing a decline is a good thing. It shows that you are progressing towards settlements with your creditors.

Just know that as you pay off debt through the debt relief program, you can expect your credit score to rebound, potentially to an even higher score than before enrollment. That timeline depends on various factors, such as the debt enrolled and the amount saved.

Overall, 85% of debt settlement clients report that their credit score after program graduation is the same as or better than their score at enrollment, according to the American Fair Credit Council.

Also, keep in mind that your credit score is typically only necessary if you’re pursuing a large purchase, such as a home or car. If you’re not making a major purchase, a temporary dip in your credit score is nothing to fear. The end goal is to move forward and get out of debt! 

At the end of the day, the most important thing is how you feel about getting out of debt. We can help you get out of debt faster, for less than what you owe.

Yes. Either we get results, or you don’t pay!

In following Federal law requirements, we don’t complete any settlement unless you approve it. Plus, we do not collect a settlement fee until you have approved that settlement and made at least one payment. 

And finally, if we can’t settle your debt or if you’re not satisfied up to the point of us settling your debts, you can cancel at any time – for any reason – without any penalties or fees other than the fees earned associated with prior settled debts.

We are able to help provide debt relief for most unsecured debt (any debt that isn’t tied to an asset like a home or automobile), and we have negotiated with thousands of different creditors to help our clients eliminate their debts. 

Some of the debts we can help you settle include: credit cards, personal loans, lines of credit, medical bills, business debts, and certain student loan debts.

You may want to consider debt relief if you have gone through a financial hardship (divorce, unemployed, loss of income, accident, or long term illness) and are struggling to make minimum monthly payments toward your debt… or you can make the minimum payments, but they still doesn’t even make a dent in the total amount you owe. 

In many cases, debt settlement is a better and faster form of debt relief than bankruptcy or trying to qualify for a consolidation loan.