HOW DOES THE AFG TOTAL DEBT ELIMINATION PROGRAM WORK?

(Watch the Video...it explains it well)

First, after we collect your information, AFG does an initial evaluation and sends through our AFG proprietary software. The software analyzes your financial situation and recommends one of our 8 debt elimination programs that would get you totally out of debt the fastest and easiest way, so that you can start building true wealth for your future.

The AFG proprietary software program is designed to analyze your debts to create MARGIN... or the difference between what you are currently paying on your debts, and what you minimally have to pay. The software does this in 3 primary ways...

A. It looks at restructuring your debts (through refinancing or a special H.E.L.O.C. program) trading high interest debts for low interest debts.

B. It looks for various banking tricks that your creditors are using against you and counters them.

C. It looks for other banking tricks to use against your creditors.

D. It looks at juggling your monthly debt payments to maximize effectiveness.

Also, our trained Financial Coaches (exclusive with the AFG team) are especially good at helping you find extra monies, usually $200-$300, in your budget that can be added to your margin, accelerating your payoff date even faster.

We then use this margin, or extra monies, to quickly pay down or pay off, if possible, one or more creditors. If you qualify for debt restructure through refinancing, often we can pay off several high interest rate debts immediately. This then frees up even more extra monies (more margin) to be applied, according to our proprietary software formula, against other debts. The result is that we can usually pay off all of your consumer debts in 1-24 months, allowing us to use the margin that has been created to quickly pay off your mortgage. The result is we can often completely pay off all of your debts in 6-12 years, including 35+ year mortgages. In fact, we have found that the more debts you have, usually the results are even faster.

After the evaluation, a Total Debt Elimination Plan is created and presented to you showing you what program (or programs) you qualify for, how fast the AFG team can get you totally out of debt, and how much monies the program will save you. For example, on the Wealth Master program (which about 65% of our clients qualify for), we usually get them completely out of debt in 6-12 years, saving them an average of $150,000 in interest. What is even better, it costs them nothing out of pocket to do it! If specifically needed, a plan can be created that actually produces a monthly cashflow back to the you the client. Other times, clients put in extra monies to accelerate their debt elimination program.

The key to the success of AFG is our outstanding variety of total debt elimination products to fit every individual, family or business debt need, outstanding Financial Coaching and an exceptional monthly National TPA service. The TPA service is what makes everything so simple for you, the client. Every month it automatically pays your debts according to your personalized debt elimination plan, which you can access online 24/7 to watch the progress. The TPA services will even send you the end of the year financial statements on a CD.

HOW ARE MONIES ACTUALLY PAID WHEN THE PLAN IS IMPLEMENTED?

The following cash-flow diagram should help explain the actually process of things when the debt elimination plan is implemented. Start with the dark blue box and then follow the arrows.

TWO FREQUENTLY ASKED QUESTIONS:

Q How flexible is the plan and what if I want to make changes to my plan?

-We have anticipated that, though we strongly discourage it! Your goal with working with AFG is to become completely debt free and as part of that plan you agree to refrain from adding any new debts. However, we recognize that there will be unforseen events or circumstances in your life that happen. That is the way the reality of life is. With AFG, you are entitled to make 6 changes per year at no charge, whether that is to add in a new debt (such as a new car), or get some emergency cash. When this happens, your debt elimination plan will be adjusted accordingly. If you need to make more than that, a nominal service charge of $20 will be requested.

Q What happens if in the future, I lose my job or can’t make payments?

- We recognize that such situations do arise. Because of the way AFG debt elimination plans work...by working with AFG you actually will be in a much better position to handle such circumstances than before AFG. Since the AFG debt elimination plan tackles credit card, auto loans, and other consumer debt items first..paying them off one by one very quickly...the plan keeps creating a larger and larger monthly cash-flow “margin” which is then used to pay off your other debts. Often, most of these consumer debts are completely paid off by the AFG plan within 1-3 years...leaving only the Mortgage to be paid. The bottom line is this...The longer you are in the AFG Debt Elimination program...the better prepared you become to handle such a crises. This is especially true since the new bankruptcy & credit laws were changed in 2005. Note: the AFG Plan Fee is usually paid off completely within the first 24 months along with the other consumer debts.