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American Business Financial Services, Inc.
Bala Cynwyd, PA
We hereby consent to the incorporation in this Registration Statement on
Pre-Effective Amendment Three to the Form S-2 of our report dated September 29,
2000 relating to the consolidated financial statements of American Business
Financial Services, Inc. and subsidiaries appearing in the Company's Annual
Report on Form 10-K for the year ended June 30, 2000. We also consent to the
reference to us under the caption "Experts" in the Prospectus.
/s / BDO Seidman, LLP
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BDO Seidman, LLP
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Philadelphia, PA
October 9, 2000
