Address
30021 Tomas St Suite 300
Rancho Santa Margarita, CA 92688
Looking for credit card consolidation in Fort Wayne, Indiana? APFSC is a simplify payments 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.
- Free Credit Report Review
- Free Debt Consolidation Session
- Tailored Financial Action Plan
As a DOJ-approved 501(c)(3) nonprofit, APFSC provides trusted Debt Consolidation services. 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 Fort Wayne Indiana Residents Trust APFSC
If you're looking for credit card consolidation in Fort Wayne, APFSC offers a proven Debt Consolidation program built on trust and results. 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. Contact our Fort Wayne Indiana team today — together, we'll find the right path to pay off debt faster.
Benefits of Debt Consolidation With APFSC in Fort Wayne
- Get pay off debt faster — significantly reducing what you pay each month in Fort Wayne
- Our simplify payments team negotiates lower rates while keeping your credit history intact
- Eliminate credit card balances faster through a structured Debt Consolidation plan
- 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
Shorten Your Debt Timeline
Interest Rate Reduction
Keep More Money in Your Pocket
No Negative Impact To Your Credit
Frequently Asked Questions About Debt Consolidation in Fort Wayne
Still have questions about credit card consolidation in Fort Wayne? We’re here to help!
Contact our simplify payments 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?
There may be a small initial dip, but as you make consistent payments through our Debt Consolidation program, most Fort Wayne clients see their scores improve.
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 interest rate reduction.
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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