Address
30021 Tomas St Suite 300
Rancho Santa Margarita, CA 92688
Overwhelmed by debt in Miami, Florida? You don't have to face it alone. APFSC is a DOJ-approved post-bankruptcy education offering DOJ-approved bankruptcy that has helped thousands of Americans save money, reduce stress, and get back on solid financial ground.
- Free Credit Report Review
- Free Bankruptcy Counseling Session
- Personalized Debt Payoff Plan
APFSC is a U.S. Department of Justice–approved 501(c)(3) nonprofit credit counseling agency. Our Bankruptcy Counseling sessions are provided at no cost, meeting all federal and state requirements.
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 Miami Florida Residents Trust APFSC
APFSC is committed to offering the very best Bankruptcy Counseling program available to residents of Miami, Florida. As a DOJ-approved agency, we meet the highest quality standards to help you achieve bankruptcy alternative. We understand how stressful debt can be — especially when you're unsure where to turn for help in Miami. Please contact us so that together, we can find a better way out of debt.
Benefits of Bankruptcy Counseling With APFSC in Miami
- Get bankruptcy alternative — significantly reducing what you pay each month in Miami
- Interest rate reduction without negatively impacting your current payment or credit history
- Pay off your credit card debt much faster
- Simplify your finances with a single monthly payment that fits your budget
- Improve your money management skills
- Questions? Our friendly support team is just a phone call away
Pay Off Debt Years Sooner
Interest Rate Reduction
Thousands in Potential Savings
No Negative Impact To Your Credit
Common Questions About DOJ-approved bankruptcy in Florida
Still have questions about DOJ-approved bankruptcy in Miami? 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?
Absolutely — our Bankruptcy Counseling program in Miami is designed specifically for people with imperfect credit. That’s who we serve.
Will a debt relief plan hurt my credit score?
There may be a small initial dip, but as you make consistent payments through our Bankruptcy Counseling program, most Miami clients see their scores improve.
Can I use my credit cards while enrolled?
To maximize your results, active credit cards are suspended while you work through the program. This helps you stay focused on becoming debt-free.
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?
Credit cards, personal loans, medical bills, and some types of unsecured debt. Secured debts (like mortgages) are not included.
How long does the process take?
The typical Bankruptcy Counseling program runs 3 to 5 years, depending on your total debt and what fits your monthly budget.
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