Address
30021 Tomas St Suite 300
Rancho Santa Margarita, CA 92688
Billings Montana residents: stop letting debt control your life. APFSC provides expert Debt Relief to help you take back control. Our high balance help 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
APFSC is a federally approved nonprofit high balance help serving Billings and all of Montana. 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 Debt Relief in Billings?
APFSC is committed to offering the very best Debt Relief program available to residents of Billings, Montana. Our high balance help team has helped thousands of people across Montana achieve reduce what you owe through personalized counseling and financial 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 Debt Relief With APFSC in Billings
- Reduce your interest rates, meaning you will pay less each month
- Achieve stop collection calls without any negative effect on your credit score or payment record
- reduce what you owe — our program accelerates your path to becoming debt-free
- One monthly payment, with a payment date to match your schedule
- Improve your money management skills
- Questions? Our friendly support team is just a phone call away
Shorten Your Debt Timeline
Reduced APR on Your Debt
Keep More Money in Your Pocket
Credit-Safe Debt Solution
Debt Relief FAQ for Billings Montana Residents
Still have questions about credit card debt relief in Billings? We’re here to help!
Get personalized guidance from our experienced counselors — it’s completely free.
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?
Your score may dip slightly at first, but most clients see improvement over time as debts are paid down consistently.
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 reduce what you owe.
Is there a cost to enroll in a debt relief program?
Free consultations for Billings Montana residents. Enrollment fees are minimal — and the savings on interest alone far outweigh the cost.
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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Email Address
© 2017 – 2025 American Pacific Financial Services Corp (APFSC). All rights reserved. APFSC does not loan money.