The American Fair Credit Council (AFCC) is the leading national association of debt settlement companies. The AFCC and its members work on behalf of consumers struggling with overwhelming burdens of unsecured debt to settle those debts for less than their full balance.

AFCC accredited member companies agree to abide by a strict Code of Conduct and are required to follow stringent regulatory guidelines for operation – ensuring they operate with the highest level of compliance, transparency and integrity. In addition, all AFCC members operate on a “No Advance Fee Model” and never charge a fee for services until a consumer’s debt has been successfully negotiated.