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30021 Tomas St Suite 300
Rancho Santa Margarita, CA 92688
Overwhelmed by debt in Lansing, Michigan? You don't have to face it alone. APFSC is a DOJ-approved need financial help offering struggling with debt that has helped thousands of Americans save money, reduce stress, and get back on solid financial ground.
- Complimentary Credit Report Analysis
- Free Debt Help Consultation
- Tailored Financial Action Plan
APFSC is a federally approved nonprofit need financial help serving Lansing and all of Michigan. 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 struggling with debt in Michigan
For Lansing Michigan residents seeking struggling with debt, APFSC delivers the highest standard of Debt Help. As a DOJ-approved agency, we meet the highest quality standards to help you achieve talk to a counselor. We understand how stressful debt can be — especially when you're unsure where to turn for help in Lansing. Contact our Lansing Michigan team today — together, we'll find the right path to talk to a counselor.
How Debt Help From APFSC Benefits You in Michigan
- Lower your rates through our Debt Help program, so more of your payment goes toward principal
- Achieve talk to a counselor without any negative effect on your credit score or payment record
- free debt analysis — our program accelerates your path to becoming debt-free
- Simplify your finances with a single monthly payment that fits your budget
- Build lasting financial habits with our expert counseling and education resources
- Customer Service Hotline to answer your questions
Pay Off Debt Years Sooner
Reduced APR on Your Debt
Keep More Money in Your Pocket
No Negative Impact To Your Credit
Common Questions About struggling with debt in Michigan
Still have questions about struggling with debt in Lansing? 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?
A brief, minor dip is possible, but the long-term trend is positive — most clients in Michigan see credit score gains as their balances decrease.
Can I use my credit cards while enrolled?
Not during enrollment — the Debt Help program requires closing or pausing active cards so you can focus entirely on free debt analysis.
Is there a cost to enroll in a debt relief program?
Your initial Debt Help 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?
We help with credit card debt, personal loans, medical bills, and other unsecured obligations. Mortgages and other secured debts are handled separately.
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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