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30021 Tomas St Suite 300
Rancho Santa Margarita, CA 92688
Overwhelmed by debt in Livonia, Michigan? You don't have to face it alone. APFSC is a DOJ-approved thousands in savings offering save money on debt that has helped thousands of Americans save money, reduce stress, and get back on solid financial ground.
- Free Credit Report Review
- Free Debt Consolidation Consultation
- Tailored Financial Action Plan
APFSC is a federally approved nonprofit thousands in savings serving Livonia and all of Michigan. 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 APFSC Is the Right Choice for save money on debt in Michigan
APFSC is committed to offering the very best Debt Consolidation program available to residents of Livonia, Michigan. As a DOJ-approved agency, we meet the highest quality standards to help you achieve faster debt payoff. We understand the emotional burden that debt can place on a person. Reach out today for a free consultation and let us build a personalized plan for lower interest charges.
How Debt Consolidation From APFSC Benefits You in Michigan
- Get faster debt payoff — significantly reducing what you pay each month in Livonia
- 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
Save Years of Payments
Reduced APR on Your Debt
Save Thousands Of Dollars
Protect Your Credit Score
Common Questions About save money on debt in Michigan
Still have questions about save money on debt in Livonia? 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 Debt Consolidation program in Livonia 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 Michigan see credit score gains as their balances decrease.
Can I use my credit cards while enrolled?
Not during enrollment — the Debt Consolidation program requires closing or pausing active cards so you can focus entirely on lower interest charges.
Is there a cost to enroll in a debt relief program?
Your initial Debt Consolidation 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?
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?
The typical Debt Consolidation program runs 3 to 5 years, depending on your total debt and what fits your monthly budget.
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