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30021 Tomas St Suite 300
Rancho Santa Margarita, CA 92688
Looking for certified credit counselor in Lansing, Michigan? APFSC is a debt management advice that helps people just like you save thousands in interest, lower monthly payments, and become debt-free — without negatively impacting your credit score or payment history.
- No-Cost Credit Report Evaluation
- Free Credit Counseling Assessment
- Tailored Financial Action Plan
APFSC is a U.S. Department of Justice–approved 501(c)(3) nonprofit credit counseling agency. Our Credit Counseling 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 Lansing Michigan Residents Trust APFSC
For Lansing Michigan residents seeking certified credit counselor, APFSC delivers the highest standard of Credit Counseling. Our debt management advice team has helped thousands of people across Michigan achieve reduce monthly payments through personalized counseling and financial 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 reduce monthly payments.
Advantages of Our Credit Counseling Program for Lansing Michigan Residents
- Reduce your interest rates, meaning you will pay less each month
- Our debt management advice team negotiates lower rates while keeping your credit history intact
- Eliminate credit card balances faster through a structured Credit Counseling plan
- Simplify your finances with a single monthly payment that fits your budget
- Gain the tools and knowledge to manage your finances confidently going forward
- Dedicated support team available to help Lansing residents every step of the way
Pay Off Debt Years Sooner
Lower Your Interest Rates
Thousands in Potential Savings
Protect Your Credit Score
Common Questions About certified credit counselor in Michigan
Still have questions about certified credit counselor in Lansing? We’re here to help!
Contact our debt management advice team for a free, no-obligation consultation.
Can I qualify for debt relief with bad credit?
Yes! Many Lansing 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?
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 Credit Counseling program requires closing or pausing active cards so you can focus entirely on reduce monthly payments.
Is there a cost to enroll in a debt relief program?
Your initial Credit Counseling 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?
Most Lansing clients are debt-free within 3–5 years. Your timeline depends on your total balance and the payment plan we build together.
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© 2017 – 2025 American Pacific Financial Services Corp (APFSC). All rights reserved. APFSC does not loan money.