Address
30021 Tomas St Suite 300
Rancho Santa Margarita, CA 92688
Overwhelmed by debt in Billings, Montana? You don't have to face it alone. APFSC is a DOJ-approved debt-free life offering get out of debt that has helped thousands of Americans save money, reduce stress, and get back on solid financial ground.
- Complimentary Credit Report Analysis
- Free Debt Relief Session
- Tailored Financial Action Plan
APFSC is a federally approved nonprofit debt-free life serving Billings and all of Montana. Every counseling session is completely free, in full compliance with federal and state regulations.
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 Billings Montana Residents Trust APFSC
If you're looking for get out of debt in Billings, APFSC offers a proven Debt Relief program built on trust and results. As a DOJ-approved agency, we meet the highest quality standards to help you achieve proven debt program. We understand the emotional burden that debt can place on a person. Please contact us so that together, we can find a better way out of debt.
Benefits of Debt Relief With APFSC in Billings
- Lower your rates through our Debt Relief program, so more of your payment goes toward principal
- Achieve proven debt program without any negative effect on your credit score or payment record
- affordable payments — 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
Save Thousands Of Dollars
Credit-Safe Debt Solution
Debt Relief FAQ for Billings Montana Residents
Still have questions about get out of debt 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! Many Billings Montana 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?
A brief, minor dip is possible, but the long-term trend is positive — most clients in Montana see credit score gains as their balances decrease.
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 affordable payments.
Is there a cost to enroll in a debt relief program?
We offer free evaluations. If you enroll, there may be a small monthly service fee — far less than what you’d pay in interest alone.
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 Billings 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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