Housing Counseling Services | Expert Reverse Mortgage & Housing Finance Help

I have been in the program for a couple of months. I have to say I am extremely impressed with the customer service and accuracy of the process. My statements reflect the lower rates and my balances are finally going down. I will be debt free in 4 years instead of 27 years. The AES staff answered all my questions that I had. They explained the program to me and all the services that they provide. They helped me with my finances and present hardship. They were able to lower rates on every credit card I Have.

I have been working with Amber #1309. She has been very courteous and respectful through out this application process. Our payments are not going to be reduced by a whole lot, but we will save a very large amount of money over the next five years and then be debt free. We are retired so the extra thousand dollars we will have after our debt is paid off will save us. Your agents are really wonderful to work with. Thank you for contacting us about your services, we are very grateful.

It has been 7 months since I was referred by Discover for the program. I have greatly appreciated the help that James#1722 has provided me with. The whole process went very smoothly and he was very kind, helpful and understanding to my needs!! Filling out this survey was the least that I could do for James at AES and all the help they provided my family. I will be debt free of 32,000 in debt in only 3 more years paying less than what the minimum payments were before the rates were reduced. If this had not happened for me and my family we would have been paying on our Discover accounts for the next 44 years. The lady that I respond back and forth with for questions or comments has always been very helpful! My transition into the program was top notch!!

The representatives James and Brian were very helpful, they brought tears of joy to my eyes. The reason I went into hardship I was forced into early retirement and lost 60.000.00 per year in income. I also had brought a house out of my fathers estate when he passed away. I fixed up the house by charging some of the work to my credit cards. The house was to be sold at double the price but it didn’t happen due to market conditions. Since then I just recently had major surgery and I had a heart attack on the surgery table due to stress. With all of this happening to me life has been very hard but with the help of you all I know I’m going to make it “Love you All”

The staff at AES are awesome!!! We are self employed and had 92,000 in debt. I was drowning! It has been a full time job for me just keeping things organized and managing paying all of the bills and it seemed like we were still a month or two late all the time. Amber 1309 was so patient and carefully explained everything, answered all of questions, and patiently took my application. We were approved!!!!!! This means the difference between BK and starting our life again! Our minimum payments are lower and we will finally be debt free in just a few years instead of forever. I am writing this because I am so grateful and I just feel like shouting it at the top of my lungs…YAYYY!!!

When I first received this offer, I thought it was to good to be true. With 80,000 in debt we were sinking fast. The staff at AES were so so patient and thorough. We are so thankful we were approved it brought tears to my eyes when I heard. Our debt was such a burden and we had called the creditors directly so many times to ask for help and the answer was always no! In 4 years we will be debt free paying less then what are minimum payments were and keep our good credit, AMAZING! This makes the difference, we will be saving 2000 per month and now be able to put our children through college. Thank you so much and God Bless all of you.

I got caught up in the use of my credit cards and was overspending. I was only able to make minimum payments and was not getting anywhere. This program was a life saver for me and dramatically reduced my blood pressure. I have been in the program for 3 years and my accounts are down 70% of the balance! My payments are always on time to my creditors and my credit is excellent. I only have 1 year left to be debt free. The staff at AES is the best, always available and patiently answers all questions. They deserve this pat on the back!

After recently retiring after 38 years in the human service profession, I commend James ID 1722 to the highest level of job performance in helping me reduce my current debt which has become quite a hardship to me and my family. His expertise and ability to answer questions were explained with compassion …demonstrating quite a passion for his job and wanting to help in any way possible. I never imagined as a young woman how I could accumulate such debt with credit cards. . .Now I am much older and will always be so thankful that I had the opportunity to work with James. . .He is quite an asset to the company and is now considered a real blessing in my life.

As a Superior court judge I heavily scrutinize all things. After the thorough analysis provided as well as knowing I was on a fixed income. Due to my high interest rates, I determined this program was the only way I was ever going to pay off my credit card without damaging my credit. The representative was extremely polite and patient and the paperwork was clear and explained very well. I would recommend AES to the public and I am very thankful for their assistance.

My CSR and underwriter were very professional. I was a bit skeptical at first that this was in fact being offered to me. As an IT executive of the Department Of Justice and computer professional I know the dangers of doing business over the telephone. The staff was very thorough in my enrollment and very patient with my questions. After exploring many other options, this seemed like the only option to do something about the high rates I am paying without hurting my credit. I took a leap of faith to trust this process. It turned out to be legitimate and now I will be able to achieve my goal to be totally debt free in 7 years. I recommend AES and their staff to everyone.