Address
30021 Tomas St Suite 300
Rancho Santa Margarita, CA 92688
Looking for consolidate debt in Memphis, Tennessee? APFSC is a one monthly payment 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.
- No-Cost Credit Report Evaluation
- Free Debt Consolidation Consultation
- Custom Repayment Strategy
As a DOJ-approved 501(c)(3) nonprofit, APFSC provides trusted Debt Consolidation services. 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 Choose APFSC for Debt Consolidation in Memphis?
For Memphis Tennessee residents seeking consolidate debt, APFSC delivers the highest standard of Debt Consolidation. Our one monthly payment team has helped thousands of people across Tennessee achieve lower interest rates through personalized counseling and financial education. Debt affects more than your finances — it impacts your daily life, and we're here to help. Contact our Memphis Tennessee team today — together, we'll find the right path to credit card consolidation.
Benefits of Debt Consolidation With APFSC in Memphis
- Get credit card consolidation — significantly reducing what you pay each month in Memphis
- Our one monthly payment team negotiates lower rates while keeping your credit history intact
- Pay off your credit card debt much faster
- Consolidate into one easy payment — no more juggling multiple bills each month
- Gain the tools and knowledge to manage your finances confidently going forward
- Questions? Our friendly support team is just a phone call away
Pay Off Debt Years Sooner
Lower Your Interest Rates
Keep More Money in Your Pocket
No Negative Impact To Your Credit
Frequently Asked Questions About Debt Consolidation in Memphis
Still have questions about consolidate debt in Memphis? 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?
Your score may dip slightly at first, but most clients see improvement over time as debts are paid down consistently.
Can I use my credit cards while enrolled?
To maximize your results, active credit cards are suspended while you work through the program. This helps you stay focused on becoming debt-free.
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?
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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