Address
30021 Tomas St Suite 300
Rancho Santa Margarita, CA 92688
Livonia Michigan residents: stop letting debt control your life. APFSC provides expert Credit Counseling to help you take back control. Our DOJ-approved agency team works directly with your creditors to secure lower rates and create a clear path to financial freedom.
- No-Cost Credit Report Evaluation
- Free Credit Counseling Assessment
- Tailored Financial Action Plan
APFSC is a U.S. Department of Justice–approved 501(c)(3) nonprofit credit counseling agency. All Credit Counseling sessions are offered free of charge in compliance with federal and state guidelines.
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 Credit Counseling in Livonia?
For Livonia Michigan residents seeking certified counselor, APFSC delivers the highest standard of Credit Counseling. Our DOJ-approved agency team has helped thousands of people across Michigan achieve free credit report review through personalized counseling and financial education. We understand how stressful debt can be — especially when you're unsure where to turn for help in Livonia. Contact our Livonia Michigan team today — together, we'll find the right path to personalized debt plan.
Benefits of Credit Counseling With APFSC in Livonia
- Reduce your interest rates, meaning you will pay less each month
- Interest rate reduction without negatively impacting your current payment or credit history
- Eliminate credit card balances faster through a structured Credit Counseling plan
- Consolidate into one easy payment — no more juggling multiple bills each month
- Build lasting financial habits with our expert counseling and education resources
- Customer Service Hotline to answer your questions
Save Years of Payments
Lower Your Interest Rates
Save Thousands Of Dollars
No Negative Impact To Your Credit
Credit Counseling FAQ for Livonia Michigan Residents
Still have questions about certified counselor 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 Credit Counseling 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?
There may be a small initial dip, but as you make consistent payments through our Credit Counseling program, most Livonia clients see their scores improve.
Can I use my credit cards while enrolled?
No — part of the program involves closing or suspending active credit cards to focus on paying off your current balances.
Is there a cost to enroll in a debt relief program?
Your initial Credit Counseling 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 Livonia clients are debt-free within 3–5 years. Your timeline depends on your total balance and the payment plan we build together.
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Email Address
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