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30021 Tomas St Suite 300
Rancho Santa Margarita, CA 92688
Overwhelmed by debt in Montgomery, Alabama? You don't have to face it alone. APFSC is a DOJ-approved reduce total debt offering debt relief program that has helped thousands of Americans save money, reduce stress, and get back on solid financial ground.
- Free Credit Report Review
- Free Debt Relief Assessment
- Tailored Financial Action Plan
APFSC is a federally approved nonprofit reduce total debt serving Montgomery and all of Alabama. 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 Montgomery?
APFSC is committed to offering the very best Debt Relief program available to residents of Montgomery, Alabama. As a DOJ-approved agency, we meet the highest quality standards to help you achieve financial fresh start. We understand the emotional burden that debt can place on a person. Contact our Montgomery Alabama team today — together, we'll find the right path to financial fresh start.
How Debt Relief From APFSC Benefits You in Alabama
- Get financial fresh start — significantly reducing what you pay each month in Montgomery
- Our reduce total debt team negotiates lower rates while keeping your credit history intact
- Pay off your credit card debt much faster
- Simplify your finances with a single monthly payment that fits your budget
- Gain the tools and knowledge to manage your finances confidently going forward
- Questions? Our friendly support team is just a phone call away
Pay Off Debt Years Sooner
Interest Rate Reduction
Thousands in Potential Savings
Protect Your Credit Score
Frequently Asked Questions About Debt Relief in Montgomery
Still have questions about debt relief program in Montgomery? We’re here to help!
Contact our reduce total debt team for a free, no-obligation consultation.
Can I qualify for debt relief with bad credit?
Absolutely — our Debt Relief program in Montgomery 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 Alabama 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?
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 clients complete the program in 3–5 years, depending on their total debt and monthly budget.
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