Address
30021 Tomas St Suite 300
Rancho Santa Margarita, CA 92688
Billings Montana residents: stop letting debt control your life. APFSC provides expert Debt Consolidation to help you take back control. Our one monthly payment team works directly with your creditors to secure lower rates and create a clear path to financial freedom.
- No-Cost Credit Report Evaluation
- Free Debt Consolidation Session
- Custom Repayment Strategy
APFSC is a U.S. Department of Justice–approved 501(c)(3) nonprofit credit counseling agency. All Credit Counseling sessions are offered free of charge in compliance with federal and state guidelines.
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 APFSC Is the Right Choice for consolidate debt in Montana
APFSC is committed to offering the very best Debt Consolidation program available to residents of Billings, Montana. As a DOJ-approved agency, we meet the highest quality standards to help you achieve credit card consolidation. 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 lower interest rates.
Benefits of Debt Consolidation With APFSC in Billings
- Get credit card consolidation — significantly reducing what you pay each month in Billings
- Our one monthly payment team negotiates lower rates while keeping your credit history intact
- Eliminate credit card balances faster through a structured Debt Consolidation plan
- Consolidate into one easy payment — no more juggling multiple bills each month
- Build lasting financial habits with our expert counseling and education resources
- Questions? Our friendly support team is just a phone call away
Save Years of Payments
Interest Rate Reduction
Save Thousands Of Dollars
Protect Your Credit Score
Common Questions About consolidate debt in Montana
Still have questions about consolidate 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?
Absolutely — our Debt Consolidation program in Billings is designed specifically for people with imperfect credit. That’s who we serve.
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?
No — part of the program involves closing or suspending active credit cards to focus on paying off your current balances.
Is there a cost to enroll in a debt relief program?
Free consultations for Billings Montana 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?
Most clients complete the program in 3–5 years, depending on their total debt and monthly budget.
Phone
Email Address
© 2017 – 2025 American Pacific Financial Services Corp (APFSC). All rights reserved. APFSC does not loan money.