Address
30021 Tomas St Suite 300
Rancho Santa Margarita, CA 92688
Looking for credit card debt relief in Miami, Florida? APFSC is a high balance help that helps people just like you save thousands in interest, lower monthly payments, and become debt-free — without negatively impacting your credit score or payment history.
- Free Credit Report Review
- Free Debt Relief Consultation
- Custom Repayment Strategy
As a DOJ-approved 501(c)(3) nonprofit, APFSC provides trusted Debt Relief services. Our Debt Relief 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
If you're looking for credit card debt relief in Miami, APFSC offers a proven Debt Relief program built on trust and results. 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 Miami. Reach out today for a free consultation and let us build a personalized plan for reduce what you owe.
Advantages of Our Debt Relief Program for Miami Florida Residents
- Get stop collection calls — significantly reducing what you pay each month in Miami
- Our high balance help team negotiates lower rates while keeping your credit history intact
- reduce what you owe — our program accelerates your path to becoming debt-free
- Simplify your finances with a single monthly payment that fits your budget
- Build lasting financial habits with our expert counseling and education resources
- Customer Service Hotline to answer your questions
Pay Off Debt Years Sooner
Reduced APR on Your Debt
Thousands in Potential Savings
No Negative Impact To Your Credit
Frequently Asked Questions About Debt Relief in Miami
Still have questions about credit card debt relief in Miami? 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?
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?
A brief, minor dip is possible, but the long-term trend is positive — most clients in Florida see credit score gains as their balances decrease.
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 reduce what you owe.
Is there a cost to enroll in a debt relief program?
Your initial Debt Relief evaluation is completely free. If you choose to enroll, there’s a modest monthly fee that’s a fraction of the interest you’ll save.
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?
Most clients complete the program in 3–5 years, depending on their total debt and monthly budget.
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