Address
30021 Tomas St Suite 300
Rancho Santa Margarita, CA 92688
Dearborn Michigan residents: stop letting debt control your life. APFSC provides expert Debt Consolidation to help you take back control. Our debt consolidation program 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 Consolidation Consultation
- Tailored Financial Action Plan
APFSC is a U.S. Department of Justice–approved 501(c)(3) nonprofit credit counseling agency. Our Debt Consolidation 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 single monthly payment in Dearborn, APFSC offers a proven Debt Consolidation 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. We understand the emotional burden that debt can place on a person. Reach out today for a free consultation and let us build a personalized plan for lower monthly bills.
Benefits of Debt Consolidation With APFSC in Dearborn
- Lower your rates through our Debt Consolidation program, so more of your payment goes toward principal
- Our debt consolidation program team negotiates lower rates while keeping your credit history intact
- Pay off your credit card debt much faster
- 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 Dearborn residents every step of the way
Save Years of Payments
Interest Rate Reduction
Thousands in Potential Savings
No Negative Impact To Your Credit
Debt Consolidation FAQ for Dearborn Michigan Residents
Still have questions about single monthly payment in Dearborn? We’re here to help!
Contact our debt consolidation program 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?
There may be a small initial dip, but as you make consistent payments through our Debt Consolidation program, most Dearborn clients see their scores improve.
Can I use my credit cards while enrolled?
Not during enrollment — the Debt Consolidation program requires closing or pausing active cards so you can focus entirely on lower monthly bills.
Is there a cost to enroll in a debt relief program?
Your initial Debt Consolidation 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?
Our Debt Consolidation 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?
The typical Debt Consolidation program runs 3 to 5 years, depending on your total debt and what fits your monthly budget.
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