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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 debt management advice offering certified credit counselor that has helped thousands of Americans save money, reduce stress, and get back on solid financial ground.
- No-Cost Credit Report Evaluation
- Free Credit Counseling Consultation
- Personalized Debt Payoff Plan
APFSC is a U.S. Department of Justice–approved 501(c)(3) nonprofit credit counseling agency. 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 APFSC Is the Right Choice for certified credit counselor in Ohio
APFSC is committed to offering the very best Credit Counseling program available to residents of Dayton, Ohio. Our debt management advice team has helped thousands of people across Ohio achieve reduce monthly payments through personalized counseling and financial 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 reduce monthly payments.
How Credit Counseling From APFSC Benefits You in Ohio
- Lower your rates through our Credit Counseling program, so more of your payment goes toward principal
- Achieve financial guidance without any negative effect on your credit score or payment record
- reduce monthly payments — our program accelerates your path to becoming debt-free
- Consolidate into one easy payment — no more juggling multiple bills each month
- Gain the tools and knowledge to manage your finances confidently going forward
- Dedicated support team available to help Dayton residents every step of the way
Shorten Your Debt Timeline
Reduced APR on Your Debt
Keep More Money in Your Pocket
Protect Your Credit Score
Frequently Asked Questions About Credit Counseling in Dayton
Still have questions about certified credit counselor in Dayton? 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 Dayton is designed specifically for people with imperfect credit. That’s who we serve.
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?
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?
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?
Most Dayton 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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