I was asked by reader to review the debt settlement company American Financial Service, so here it goes.

ClearOne is a debt settlement company based in Maryland that prides itself on customer service. For being a relatively new company, they seem to be pretty transparent in how they run their business, with lots of information about their company published on their website.

GHS Solutions, LLC is a debt settlement company that offers individual programs to meet the specific needs of each consumer with debt. Individuals with high amounts of debt will not work through a settlement program in the same fashion as those with lower amounts of debt.

GHS Solutions works to negotiate a settlement that is acceptable to your creditors, usually from 40% to 50% of what you currently owe.

Free Life Financial Corporation offers a debt mediation program for people who have $10,000 or more in unsecured debt. They use debt mediation strategies to negotiate lower balances and establishes a monthly payment program for clients based on that lower balance.

Superior Debt Services, Inc, also known as Superior Debt Relief, provides a debt settlement program that prides itself on having the strictest of standards when it comes to the training of their debt consultants. Superior Debt Relief, Inc. requires that every one of their consultants become accredited through the International Association of Professional Debt Arbitrators.