I got a letter in the mail today from AFS Advanced Financial Services, saying that they could consolidate all of our credit cards and mortage into one and save us on our interest rates. I am researching them now but has anyone had any personal experiences with them. Please let me know. Thanks in advanced.

I'd be highly suspect of any company that mails you offering to help out.

There's plenty of legitimate companies in your yellow pages if you really need help.

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