Address
30021 Tomas St Suite 300
Rancho Santa Margarita, CA 92688
Fort Wayne Indiana residents: stop letting debt control your life. APFSC provides expert Credit Counseling to help you take back control. Our overwhelmed by bills team works directly with your creditors to secure lower rates and create a clear path to financial freedom.
- Complimentary Credit Report Analysis
- Free Credit Counseling Session
- Tailored Financial Action Plan
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 Fort Wayne Indiana Residents Trust APFSC
For Fort Wayne Indiana residents seeking struggling with debt, APFSC delivers the highest standard of Credit Counseling. We have met the highest quality standards and are committed to helping you get your finances back on track through counseling and education. We understand how stressful debt can be — especially when you're unsure where to turn for help in Fort Wayne. Please contact us so that together, we can find a better way out of debt.
Advantages of Our Credit Counseling Program for Fort Wayne Indiana Residents
- Reduce your interest rates, meaning you will pay less each month
- Achieve fresh financial start without any negative effect on your credit score or payment record
- debt stress relief — 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
- Dedicated support team available to help Fort Wayne residents every step of the way
Save Years of Payments
Interest Rate Reduction
Thousands in Potential Savings
Protect Your Credit Score
Credit Counseling FAQ for Fort Wayne Indiana Residents
Still have questions about struggling with debt in Fort Wayne? We’re here to help!
Contact our overwhelmed by bills team for a free, no-obligation consultation.
Can I qualify for debt relief with bad credit?
Absolutely — our Credit Counseling program in Fort Wayne 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 Indiana see credit score gains as their balances decrease.
Can I use my credit cards while enrolled?
Not during enrollment — the Credit Counseling program requires closing or pausing active cards so you can focus entirely on debt stress relief.
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?
Our Credit Counseling program covers credit cards, personal loans, medical bills, and most unsecured debts. Secured debts like mortgages are not eligible.
How long does the process take?
Most Fort Wayne 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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Email Address
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