About Us


APFSC is committed to offering the very best pre-bankruptcy credit counseling, pre-discharge debtor education, and debt management program available.

Please contact us do that together, we can find a better way out of debt or so we can provide you with the required counseling and education prior to your filing bankruptcy.


At APFSC, we are devoted to your cause and offer 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.


We work for you to provide these benefits:

  • Interest rate reduction without negatively impacting your current payment or credit history
  • Reduce your Interest rates, meaning you will pay less each month, enabling you to
  • Pay off your credit card debt much faster
  • One monthly payment, with a payment date to match your schedule
  • Improve your money management skills
  • Customer Service Hotline to answer your questions

With APFSC’s debt management program, you can save money and get out of debt soon.

A debt management program will not negatively affect your credit score, in fact, it will most likely improve your score over time because of the consistent payment history you will build and by the fact of your balances being reduced.

Call +1-800-682-4007 to get started today or Enroll Online

Debt Eliminated.

Speak to a debt counselor today, with no strings attached.

Connect with an expert today

This website uses cookies to ensure you get the best experience on our website.


Let's have a chat

Thank You