Address
30021 Tomas St Suite 300
Rancho Santa Margarita, CA 92688
Overwhelmed by debt in Ann Arbor, Michigan? You don't have to face it alone. APFSC is a DOJ-approved DOJ-approved agency offering certified counselor that has helped thousands of Americans save money, reduce stress, and get back on solid financial ground.
- No-Cost Credit Report Evaluation
- Free Credit Counseling Session
- Custom Repayment Strategy
APFSC is a federally approved nonprofit DOJ-approved agency serving Ann Arbor and all of Michigan. All Credit Counseling sessions are offered free of charge in compliance with federal and state guidelines.
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 Choose APFSC for Credit Counseling in Ann Arbor?
APFSC is committed to offering the very best Credit Counseling program available to residents of Ann Arbor, Michigan. We have met the highest quality standards and are committed to helping you get your finances back on track through counseling and education. We understand how stressful debt can be — especially when you're unsure where to turn for help in Ann Arbor. Please contact us so that together, we can find a better way out of debt.
How Credit Counseling From APFSC Benefits You in Michigan
- Lower your rates through our Credit Counseling program, so more of your payment goes toward principal
- Our DOJ-approved agency team negotiates lower rates while keeping your credit history intact
- free credit report review — 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
- Questions? Our friendly support team is just a phone call away
Save Years of Payments
Interest Rate Reduction
Save Thousands Of Dollars
No Negative Impact To Your Credit
Frequently Asked Questions About Credit Counseling in Ann Arbor
Still have questions about certified counselor in Ann Arbor? 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 Ann Arbor Michigan 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?
There may be a small initial dip, but as you make consistent payments through our Credit Counseling program, most Ann Arbor clients see their scores improve.
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?
Free consultations for Ann Arbor Michigan residents. Enrollment fees are minimal — and the savings on interest alone far outweigh the cost.
What kinds of debt are eligible?
Our Credit Counseling 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 Ann Arbor clients are debt-free within 3–5 years. Your timeline depends on your total balance and the payment plan we build together.
Phone
Email Address
© 2017 – 2025 American Pacific Financial Services Corp (APFSC). All rights reserved. APFSC does not loan money.