APFSC

Founded in 2017, APFSC is a 501c3 credit counseling agency that provides assistance for consumers with high credit card debt. Credit Counseling is a program that does not negatively impact FICO scores. It simply lowers the interest on their existing credit card debt. APFSC will continue making their monthly payment to the creditors and never lose any type of relationship they have built with their creditors. Being enrolled with a credit counseling company allows consumers to get out of debt a lot faster and save thousands of dollars during the duration of their program. APFSC offers the best debt management program available. Striving to maintain the highest quality standards, we help families get back on track through counseling and education. Working together, we find a better way out of debt, and a healthy way back to financial freedom. We work with most major creditors and are able to gain, on your behalf, a reduction in your interest rates and consolidate all of your creditor’s payments into one monthly payment from you, saving you from the worry of late or missing payments. With monthly reports and continuous contact, we celebrate with our clients while they watch their debt melt away. APFSC also provides required pre-bankruptcy credit counseling and pre-discharge debtor education for those consumers contemplating filing bankruptcy. All individual bankruptcy filers are required to complete pre-bankruptcy credit counseling and pre-discharge debtor education. These may not be provided at the same time. Credit counseling must take place before you file for bankruptcy; debtor education must take place after you file. Certificate of completion for both credit counseling and debtor education are required before the filer’s debts can be discharged.