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30021 Tomas St Suite 300
Rancho Santa Margarita, CA 92688
Overwhelmed by debt in Dayton, Ohio? You don't have to face it alone. APFSC is a DOJ-approved one monthly payment offering consolidate 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 Session
- Tailored Financial Action Plan
APFSC is a federally approved nonprofit one monthly payment serving Dayton and all of Ohio. Our Debt Consolidation 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 Dayton Ohio Residents Trust APFSC
APFSC is committed to offering the very best Debt Consolidation program available to residents of Dayton, Ohio. 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 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 rates.
Benefits of Debt Consolidation With APFSC in Dayton
- Reduce your interest rates, meaning you will pay less each month
- Achieve credit card consolidation without any negative effect on your credit score or payment record
- Eliminate credit card balances faster through a structured Debt Consolidation plan
- One monthly payment, with a payment date to match your schedule
- Gain the tools and knowledge to manage your finances confidently going forward
- Customer Service Hotline to answer your questions
Pay Off Debt Years Sooner
Reduced APR on Your Debt
Save Thousands Of Dollars
Credit-Safe Debt Solution
Debt Consolidation FAQ for Dayton Ohio Residents
Still have questions about consolidate debt in Dayton? We’re here to help!
Contact our one monthly payment team for a free, no-obligation consultation.
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 Ohio 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 rates.
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?
Our Debt Consolidation 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?
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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