Address
30021 Tomas St Suite 300
Rancho Santa Margarita, CA 92688
Looking for certified counselor in Hialeah, Florida? APFSC is a DOJ-approved agency that helps people just like you save thousands in interest, lower monthly payments, and become debt-free — without negatively impacting your credit score or payment history.
- Complimentary Credit Report Analysis
- Free Credit Counseling Assessment
- Custom Repayment Strategy
APFSC is a federally approved nonprofit DOJ-approved agency serving Hialeah and all of Florida. Every counseling session is completely free, in full compliance with federal and state regulations.
Approved agency for all major creditors including
What We Help With — and How
At APFSC, our goal is simple: help you break free from overwhelming debt without filing for bankruptcy or taking out more loans.
Our certified counselors work with your creditors to reduce interest rates, stop late fees, and simplify your payments into one affordable monthly plan. Whether you’re behind on bills or just need help organizing your finances — we’re here to create a clear path forward.
If you’re feeling stuck, stressed, or unsure what to do next — this is where your fresh start begins.
How does it work?
Credit Cards
Loans
Store Cards
Lines of Credit
Overdrafts
Business Debt
Credit Cards
Loans
Store Cards
Lines of Credit
Overdrafts
Business Debt
Why Hialeah Florida Residents Trust APFSC
For Hialeah Florida residents seeking certified counselor, APFSC delivers the highest standard of Credit Counseling. As a DOJ-approved agency, we meet the highest quality standards to help you achieve personalized debt plan. We understand the emotional burden that debt can place on a person. Reach out today for a free consultation and let us build a personalized plan for free credit report review.
Advantages of Our Credit Counseling Program for Hialeah Florida Residents
- Lower your rates through our Credit Counseling program, so more of your payment goes toward principal
- Interest rate reduction without negatively impacting your current payment or credit history
- Pay off your credit card debt much faster
- Simplify your finances with a single monthly payment that fits your budget
- Build lasting financial habits with our expert counseling and education resources
- Questions? Our friendly support team is just a phone call away
Shorten Your Debt Timeline
Lower Your Interest Rates
Keep More Money in Your Pocket
Protect Your Credit Score
Common Questions About certified counselor in Florida
Still have questions about certified counselor in Hialeah? We’re here to help!
Contact our DOJ-approved agency team for a free, no-obligation consultation.
Can I qualify for debt relief with bad credit?
Yes! Many Hialeah Florida residents who enroll in our program have struggled with their credit. We’re here to help you move forward.
Will a debt relief plan hurt my credit score?
A brief, minor dip is possible, but the long-term trend is positive — most clients in Florida see credit score gains as their balances decrease.
Can I use my credit cards while enrolled?
To maximize your results, active credit cards are suspended while you work through the program. This helps you stay focused on becoming debt-free.
Is there a cost to enroll in a debt relief program?
We offer free evaluations. If you enroll, there may be a small monthly service fee — far less than what you’d pay in interest alone.
What kinds of debt are eligible?
We help with credit card debt, personal loans, medical bills, and other unsecured obligations. Mortgages and other secured debts are handled separately.
How long does the process take?
Most clients complete the program in 3–5 years, depending on their total debt and monthly budget.
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