Address
30021 Tomas St Suite 300
Rancho Santa Margarita, CA 92688
Dearborn Michigan residents: stop letting debt control your life. APFSC provides expert Rebuild Credit to help you take back control. Our reduce debt team works directly with your creditors to secure lower rates and create a clear path to financial freedom.
- Free Credit Report Review
- Free Rebuild Credit Session
- Tailored Financial Action Plan
APFSC is a federally approved nonprofit reduce debt serving Dearborn and all of Michigan. Our Rebuild Credit sessions are provided at no cost, meeting all federal and state requirements.
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 Dearborn Michigan Residents Trust APFSC
If you're looking for Financial Counseling in Dearborn, APFSC offers a proven Rebuild Credit program built on trust and results. We have met the highest quality standards and are committed to helping you get your finances back on track through counseling and education. Debt affects more than your finances — it impacts your daily life, and we're here to help. Please contact us so that together, we can find a better way out of debt.
Benefits of Rebuild Credit With APFSC in Dearborn
- Reduce your interest rates, meaning you will pay less each month
- Achieve budgeting help without any negative effect on your credit score or payment record
- Pay off your credit card debt much faster
- Consolidate into one easy payment — no more juggling multiple bills each month
- Gain the tools and knowledge to manage your finances confidently going forward
- Customer Service Hotline to answer your questions
Pay Off Debt Years Sooner
Interest Rate Reduction
Save Thousands Of Dollars
No Negative Impact To Your Credit
Frequently Asked Questions About Rebuild Credit in Dearborn
Still have questions about Financial Counseling in Dearborn? We’re here to help!
Contact our reduce debt team for a free, no-obligation consultation.
Can I qualify for debt relief with bad credit?
Absolutely — our Rebuild Credit program in Dearborn is designed specifically for people with imperfect credit. That’s who we serve.
Will a debt relief plan hurt my credit score?
There may be a small initial dip, but as you make consistent payments through our Rebuild Credit program, most Dearborn clients see their scores improve.
Can I use my credit cards while enrolled?
Not during enrollment — the Rebuild Credit program requires closing or pausing active cards so you can focus entirely on rebuild credit score.
Is there a cost to enroll in a debt relief program?
Free consultations for Dearborn Michigan residents. Enrollment fees are minimal — and the savings on interest alone far outweigh the cost.
What kinds of debt are eligible?
Our Rebuild Credit program covers credit cards, personal loans, medical bills, and most unsecured debts. Secured debts like mortgages are not eligible.
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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© 2017 – 2025 American Pacific Financial Services Corp (APFSC). All rights reserved. APFSC does not loan money.