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30021 Tomas St Suite 300
Rancho Santa Margarita, CA 92688
Overwhelmed by debt in Fort Wayne, Indiana? You don't have to face it alone. APFSC is a DOJ-approved overwhelmed by bills offering struggling with debt that has helped thousands of Americans save money, reduce stress, and get back on solid financial ground.
- Free Credit Report Review
- Free Credit Counseling Consultation
- Custom Repayment Strategy
APFSC is a federally approved nonprofit overwhelmed by bills serving Fort Wayne and all of Indiana. 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 Fort Wayne Indiana Residents Trust APFSC
For Fort Wayne Indiana residents seeking struggling with debt, APFSC delivers the highest standard of Credit Counseling. As a DOJ-approved agency, we meet the highest quality standards to help you achieve fresh financial start. 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 debt stress relief.
How Credit Counseling From APFSC Benefits You in Indiana
- Lower your rates through our Credit Counseling program, so more of your payment goes toward principal
- Achieve fresh financial start without any negative effect on your credit score or payment record
- Eliminate credit card balances faster through a structured Credit Counseling plan
- Consolidate into one easy payment — no more juggling multiple bills each month
- Gain the tools and knowledge to manage your finances confidently going forward
- Customer Service Hotline to answer your questions
Pay Off Debt Years Sooner
Interest Rate Reduction
Thousands in Potential Savings
Protect Your Credit Score
Credit Counseling FAQ for Fort Wayne Indiana Residents
Still have questions about struggling with debt in Fort Wayne? 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! Many Fort Wayne Indiana residents who enroll in our program have struggled with their credit. We’re here to help you move forward.
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 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?
Our Credit Counseling 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 Credit Counseling program runs 3 to 5 years, depending on your total debt and what fits your monthly budget.
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