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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 bankruptcy requirement offering pre-filing counseling that has helped thousands of Americans save money, reduce stress, and get back on solid financial ground.
- No-Cost Credit Report Evaluation
- Free Bankruptcy Counseling Assessment
- Custom Repayment Strategy
APFSC is a U.S. Department of Justice–approved 501(c)(3) nonprofit credit counseling agency. 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 Bankruptcy Counseling in Montgomery?
APFSC is committed to offering the very best Bankruptcy Counseling program available to residents of Montgomery, Alabama. As a DOJ-approved agency, we meet the highest quality standards to help you achieve Chapter 7 counseling. 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 Chapter 7 counseling.
How Bankruptcy Counseling From APFSC Benefits You in Alabama
- Get Chapter 7 counseling — significantly reducing what you pay each month in Montgomery
- Achieve Chapter 7 counseling without any negative effect on your credit score or payment record
- Pay off your credit card debt much faster
- Consolidate into one easy payment — no more juggling multiple bills each month
- Improve your money management skills
- Customer Service Hotline to answer your questions
Shorten Your Debt Timeline
Lower Your Interest Rates
Keep More Money in Your Pocket
Protect Your Credit Score
Frequently Asked Questions About Bankruptcy Counseling in Montgomery
Still have questions about pre-filing counseling in Montgomery? 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 Bankruptcy Counseling 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?
Not during enrollment — the Bankruptcy Counseling program requires closing or pausing active cards so you can focus entirely on court-approved counselor.
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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