Address
30021 Tomas St Suite 300
Rancho Santa Margarita, CA 92688
Overwhelmed by debt in Dearborn, Michigan? You don't have to face it alone. APFSC is a DOJ-approved debt relief alternative offering avoid bankruptcy that has helped thousands of Americans save money, reduce stress, and get back on solid financial ground.
- Complimentary Credit Report Analysis
- Free Debt Relief Assessment
- Custom Repayment Strategy
APFSC is a federally approved nonprofit debt relief alternative serving Dearborn and all of Michigan. 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 Choose APFSC for Debt Relief in Dearborn?
For Dearborn Michigan residents seeking avoid bankruptcy, APFSC delivers the highest standard of Debt Relief. As a DOJ-approved agency, we meet the highest quality standards to help you achieve no-loan debt solution. Debt affects more than your finances — it impacts your daily life, and we're here to help. Please contact us so that together, we can find a better way out of debt.
Advantages of Our Debt Relief Program for Dearborn Michigan Residents
- Get no-loan debt solution — significantly reducing what you pay each month in Dearborn
- Achieve no-loan debt solution without any negative effect on your credit score or payment record
- Eliminate credit card balances faster through a structured Debt Relief plan
- Simplify your finances with a single monthly payment that fits your budget
- Improve your money management skills
- Dedicated support team available to help Dearborn residents every step of the way
Save Years of Payments
Lower Your Interest Rates
Keep More Money in Your Pocket
Credit-Safe Debt Solution
Debt Relief FAQ for Dearborn Michigan Residents
Still have questions about avoid bankruptcy in Dearborn? We’re here to help!
If you need more information or personalized guidance, feel free to reach out.
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 Relief program, most Dearborn clients see their scores improve.
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 nonprofit debt agency.
Is there a cost to enroll in a debt relief program?
Free consultations for Dearborn Michigan residents. Enrollment fees are minimal — and the savings on interest alone far outweigh the cost.
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?
The typical Debt Relief program runs 3 to 5 years, depending on your total debt and what fits your monthly budget.
Phone
Email Address
© 2017 – 2025 American Pacific Financial Services Corp (APFSC). All rights reserved. APFSC does not loan money.