Roseville, California (October 13, 2014) – JKB Financial, Inc., which is conducting business as American Debt Solutions, continuously provides needed counseling services that help people create detailed programs for settling their unsecured debt. The company will ask for specific personal information to gain a clear and completely objective picture of each client’s financial position. JKB Financial then uses the data to determine and select a particular independent and trusted processing company that clients can work with to start settling their debts.

Getting financial counseling services from JKB Financial, Inc. will not lead to the deduction of individual credit scores generated by credit bureaus. Clients need not worry about their individual credit ratings at this point, as the main goal of financial counseling is to get the help and guidance they need to reduce their debts to zero. People can always focus on rebuilding or improving their credit scores once they are debt-free.

With the help of independent processing companies referred by JKB Financial, some clients may agree upon a debt settlement procedure with their creditors without suffering any reduction in credit scores. Depending on the case, processing companies and their debt settlement professionals may get creditors to report debt settlements as “paid in full.” Generally, settlements enable customers to only pay for portions of their debt to become debt-free, with the report reflecting the status of “settled” (which negatively impacts credit scores).

For most people, debt settlement is the best option to ensure that they can become free from overwhelming financial obligations. Struggling individuals and interested parties alike can visit www.AdsRelief.com for more information.

About JKB Financial, Inc. (American Debt Solutions)

Dedicated to matching clients with independent processing firms, the company works hard to ensure that people struggling with making payments for unsecured debt have access to settlement plans that are appropriate for their specific cases.