American Settlement Solutions

Owning a timeshare can feel like a bill that never goes away. Each year, maintenance fees creep higher while your vacation options shrink. When that happens, most owners want out yesterday.

One company that promises relief is American Settlement Solutions. Their ads sound reassuring, but timeshare exits are too costly to take at face value. Before you sign anything, read this article.

Our goal is simple: give you the full picture so you can protect your wallet, avoid refund headaches, and understand why paying through an escrow account, not straight to the company, matters far more than any sales script you will hear.

American Settlement Solutions Reviews

Detail	Fact
Location	1447‑D S Enterprise Ave, Springfield, Missouri 65804 (plus two satellite offices in nearby Ozark)
Year started	2013 (BBB file opened July 2015)
Legal entity	Your Timeshare Stops Here, LLC, doing business as American Settlement Services
Ownership	Michael Miles (owner), Melanie Pinnell (COO), Kevin Hummit (CFO)
What they do	Markets “timeshare contract termination” services, often linked to its sister brand, Nationwide Settlement Solutions

The company sits in the heart of southwest Missouri’s busy timeshare‑exit corridor, an area flagged by the Better Business Bureau for a surge in consumer complaints.

Pro tip: Spend two minutes on your state’s business‑registry website and confirm the company’s status is “active” with no administrative suspensions or name changes. Simple, free peace of mind.

How Does American Settlement Solutions Work?

Below is the typical path a customer reports:

Free phone screen: A sales rep asks basic questions about your resort contract.
In‑person or video “consultation”: You review documents and hear a cost quote. High‑pressure tactics have been reported.
Up‑front payment: Clients pay the entire fee before any work starts. No escrow.
Paperwork hand‑off: The company gathers your deed and power‑of‑attorney documents.
Third‑party lawyer referral: Legal letters are often outsourced to outside counsel.
Wait‑and‑see period: You wait for the resort to accept a deed‑in‑lieu or release.

Average Fees

Complaints mention initial quotes of $9,500, later bargained down to $3,500 depending on “difficulty.”

Typical Timeline

Internal testimony revealed only 133 of 973 client files reached full release—a 14 % success rate—over roughly 18‑24 months.

Escrow or Money‑Back?

No escrow account. Payment is made directly to the company.
They advertise a “100 % guarantee,” but because funds aren’t held by a neutral third party, you must chase a refund if results stall.

Important note: A real escrow makes the exit company get paid after your timeshare is gone. Without it, you carry all the risk.

Are They Legit?

American Settlement Solutions is a real, registered business with an A+ BBB letter grade, but that grade hides the fact that they are not accredited and have just one customer review rated 1/5 stars.

So, are they “legit”? Maybe—but legitimacy alone doesn’t equal safety. Before signing anything, let us check whether an escrow‑using provider is a better fit for you. It costs nothing to ask, and it could save you thousands.

Pro tip: An A‑plus BBB letter grade only means the company responds to complaints. Read the complaint details—those stories tell you how customers were actually treated.

American Settlement Solutions Pros & Cons

Pros	Cons
Long‑standing office address in Missouri	Collects full fee up‑front—no escrow
Offers written “guarantee”	Guarantee is self‑policed; refunds are disputed
Uses lawyers for some cases	Outsourced fee‑split model led to court battle
Claims Christian, family‑run values	Linked to sister brand with poor BBB rating
A+ letter grade on BBB	Only one customer review (1★); 18+ complaints

Pricing & Refund Policy

Quoted range: $3,500–$9,500 per contract. Payment due at signing.
Refund promise: “100 % money‑back guarantee” if they fail, yet no escrow means you rely on the same company to decide when you’re owed a refund.
Hidden costs: Court documents show side payments to outside attorneys, sometimes billed back to the client.

Any exit that drains your savings before results should raise a red flag. We only connect owners with escrow‑based programs—you hold the money until the resort confirms release.

American Settlement Solutions Reviews

Many reviewers praise the staff’s friendliness but slam long timelines and surprise fees. Some say they felt “pressured, just like the timeshare sales room,” while others report eventual success, but only after paying extra attorney costs.

Key Metrics

Metric	Detail
BBB letter grade	A+ (not accredited)
BBB customer rating	1 / 5 (1 review)
BBB complaints (3 yrs)	18 closed
Linked brand complaints	47 for Nationwide Settlement Solutions
Average cost quoted	$9,500 initial, negotiated to $3,500
Success cases in the court file	133 of 973 (14 % success)

The numbers show a company that does finish some exits—but far from all—and collects full pay no matter how long it takes.

Important note: Check review dates. A sudden wave of fresh five‑star ratings can signal a paid cleanup campaign burying older negative feedback.

What Services Do They Offer?

Contract cancellation letters
Deed‑in‑lieu negotiations
Credit repair referrals
In‑person seminars & phone consultations

Notice what’s missing: escrow, a transparent fee chart, or a written attorney engagement directly with you.

Pro tip: Ask which tasks happen in‑house and which are outsourced. Every handoff can add weeks and unexpected fees to your timeline.

American Settlement Solutions Lawsuits & Complaints

2023 Neally Law fee‑split case: The Missouri Court of Appeals upheld a judgment against American Settlement Solutions’ parent entities after a dispute over unpaid referral fees and questionable attorney‑sharing arrangements.
2019 Wyndham mass lawsuit: Wyndham Vacation Resorts included multiple Springfield exit companies (American Settlement Services among them) in a federal false‑advertising suit targeting misleading promises to owners. Case still pending.

Why it matters

Litigation drains resources and distracts management, delays that can roll downhill to the customer.

Important note: Active litigation can freeze a company’s assets. If that happens, any up‑front money you paid might be impossible to recover.

Why Trust MyTimeshareExitReviews?

We review hundreds of exit companies each year, and demand escrow protection as a non‑negotiable. We have seen nearly every scam in this space: shell corporations, name changes, and fake “money‑back” warranties that vanish in fine print.

Our role is to walk you through the safe path, and only if it makes financial sense, match you with a vetted company that gets paid after your timeshare is gone.

Remember: The safest exit is one where you never part with a dime until your resort confirms cancellation. Insist on escrow. No exceptions, no excuses.

Frequently Asked Questions

1. How much does American Settlement Solutions charge?

Most owner complaints mention initial quotes near $9500, though negotiators sometimes drop the price to roughly $3500. The full fee is requested before any paperwork starts, meaning you must pay first and hope the promised cancellation happens later.

2. Does American Settlement Solutions use escrow?

Unfortunately, no escrow account is offered. The company requires your entire fee up front, then issues a written “hundred‑percent guarantee.” If progress stalls or communication fades, you—not a neutral third party—must chase a refund, creating stress exactly when you need protection most.

3. What is the BBB rating for American Settlement Solutions?

The Better Business Bureau assigns American Settlement Solutions an A‑plus letter grade, but it is not BBB‑accredited. The profile lists only one customer review—rated one star—and records eighteen closed complaints within three years, raising questions about real‑world performance behind the shiny grade.

4. Are American Settlement Solutions and Nationwide Settlement Solutions the same?

Yes. Corporate filings show both brands share identical ownership, management, and Springfield office space. Marketing scripts, website layouts, and even seminar slides mirror one another, so dealing with one effectively means dealing with the other, regardless of which name appears on paperwork.

5. How long will the exit take?

Internal court evidence revealed only 133 successful exits out of 973 client files, and many owners waited roughly eighteen to twenty‑four months. Because results vary, timelines remain unpredictable, and any promised refund ultimately depends on the company’s discretion rather than an impartial escrow.

Final Thoughts

Our team does not recommend American Settlement Solutions due to the vast amount of negative reviews. If you are paying thousands of dollars up-front, we recommend working with a company that offers escrow or a company our team determines is legitimate. Protect yourself from timeshare scams and initiate a live chat or fill out the form on the right so we can help determine the best timeshare exit company for your situation.

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