Address
30021 Tomas St Suite 300
Rancho Santa Margarita, CA 92688
Livonia Michigan residents: stop letting debt control your life. APFSC provides expert Debt Relief to help you take back control. Our reduce total debt team works directly with your creditors to secure lower rates and create a clear path to financial freedom.
- No-Cost Credit Report Evaluation
- Free Debt Relief Assessment
- Custom Repayment Strategy
As a DOJ-approved 501(c)(3) nonprofit, APFSC provides trusted Debt Relief services. 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 Livonia Michigan Residents Trust APFSC
For Livonia Michigan residents seeking debt relief program, APFSC delivers the highest standard of Debt Relief. As a DOJ-approved agency, we meet the highest quality standards to help you achieve financial fresh start. 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.
How Debt Relief From APFSC Benefits You in Michigan
- Reduce your interest rates, meaning you will pay less each month
- Interest rate reduction without negatively impacting your current payment or credit history
- break free from debt — our program accelerates your path to becoming debt-free
- Consolidate into one easy payment — no more juggling multiple bills each month
- Build lasting financial habits with our expert counseling and education resources
- Dedicated support team available to help Livonia residents every step of the way
Pay Off Debt Years Sooner
Interest Rate Reduction
Keep More Money in Your Pocket
No Negative Impact To Your Credit
Common Questions About debt relief program in Michigan
Still have questions about debt relief program in Livonia? We’re here to help!
Contact our reduce total debt team for a free, no-obligation consultation.
Can I qualify for debt relief with bad credit?
Yes — most people who qualify for our programs have less-than-perfect credit. In fact, that’s exactly who we’re here to help.
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 Michigan see credit score gains as their balances decrease.
Can I use my credit cards while enrolled?
Not during enrollment — the Debt Relief program requires closing or pausing active cards so you can focus entirely on break free from debt.
Is there a cost to enroll in a debt relief program?
Your initial Debt Relief evaluation is completely free. If you choose to enroll, there’s a modest monthly fee that’s a fraction of the interest you’ll save.
What kinds of debt are eligible?
Credit cards, personal loans, medical bills, and some types of unsecured debt. Secured debts (like mortgages) are not included.
How long does the process take?
The typical Debt Relief program runs 3 to 5 years, depending on your total debt and what fits your monthly budget.
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