Has anyone joined AFS

LET ME FIRST SAY IM NOT A GOOD SPELLER NOR GOOD WITH GRAMMER BARE WITH ME. Hi folks im new to this forum, yes i have joined AFC at 40% but was concerned if anyone has as well and how it worked out. Its been a month now in the program, i did check BBB as they are out of bakersfield ca. in buss. for 3-years and all i see is theres no problems with comsumers nor any complaints. My total debts are approx: 20k + and they had set me with a program of first pymt fee of $561.99 but got a $100.00 off from a coupon. so it was $461.99 1-installment now for june its going to be $561.99 then in july it will be $348.00 to 11-08 and said to be debt free in i think it was 29-or 30 months. I have the funds taken out of my savings and infact it is with drawn by noteworld company that is legit cause we have delt with them in the past . I can see all transactions from online site also. So far two calls only but no mess# left from CA. all letters were sent by certifide and returned receipts. debts owed to are capital one on 3-crds. - home depot two accounts- and dell 2-accounts. We know its still early and we still have to wait approx: 3-6 before a negot. will start or come through. Were just on the nervous route. We never ever thought of having to go through this nor want to do a bank rupcy so we chose this method. Yes we did lots of research and i mean hours of reasearch. We have great response from the AFS. Every month we would send in approx: $639.00 towards ours debts thats on the min. for all accounts. So with the $348.00 that is to be sent in till 11-08 well theres a savings there and debt free less than 3-yrs. Yes we are aware of our credit report with ugly results comming soon etc# but we had to do this. We were never late and always on time but now were having $$$ issues and can not continue sending in pytms. towards our creditors. If anyone has joined AFC please reply so we know how it was and if successful for you to. I saw in the post that AFS ads are here but i have not seen them !

Link deleted as per forum rules - Mike

Hi forumfind

Don't feel nervous while you are trying to repair your credit. Negotiations in debt settlement programs are lengthy and you have to have patience towards it. Since the settlement company sounds reputable and you have everything documented, you will get positive outcome. Ensure that you are in regular touch with your settlement company and know the latest updates on your accounts.

I joined AFsolutions back in November of last year,and have had no problems.They are very nice to work with.