APFSC 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. CLICK HERE to begin the online pre-bankruptcy credit counseling course.
APFSC also offers free credit counseling or debt counseling services. Our certified credit counselors will go over your finances, income, expenses, and conduct a free debt analysis. .
Our credit counselors will and recommend a debt relief solution that is based on your personal needs. This free analysis will also include an estimate of your potential savings and estimate of how long it will take to become debt free. Talk with a certified credit counselor.
YOU ARE NOT ALONE
The average household in the US has over $15,000 in debt not including a mortgage, and pay almost $1000 in interest fees every year*. Whether it is mounting credit card debt, medical expenses, or unemployment, having debt can be very stressful. At CAPC our credit counselors will help create a realistic budget, provide financial education, and offer a realistic solution to your financial problems.
* Based on 2019 study conducted by Harris Poll on behalf of NerdWallet
GET STARTED – FREE DEBT ANALYSIS : +1 800 738 4585
Credit counseling can offer you a solution to help you pay off your debt quickly and keep your excellent credit! A credit counselor will review your income, expenses, and any debts you owe. After reviewing your situation, we will present you with a plan to become debt free quickly!
|
Current Debt
|
|
|
Without Program
|
With Program
60 Months |
|
Savings
|
|
Based on the savings analysis, you have in credit card debt, you are paying per month of which most of all your payment right now is going completely to interest.
In the program, your estimated monthly program payment is and you could be completely debt free in around 60 months.
So, if you are approved for this program, you would save of payments and save in interest and finance fees.
TO GET APPROVED TODAY!!
