Take Control of Your Financial Future
Expert debt relief and counseling services—confidential, free, tailored to your needs, and designed to protect your credit.
Lower Monthly Payments
How it Works?
Get Started in 3 Simple Steps
1
Free Consultation & Debt Analysis
Speak with a certified credit counselor to review your finances, income, and expenses. Get a free, no-obligation assessment to explore your best debt relief options.
2
Personalized Debt Management Plan
Based on your financial situation, we’ll customize a plan to lower your interest rates, reduce monthly payments, and help you regain control of your finances.
3
Stay on Track & Achieve Financial Freedom
With ongoing support and guidance, you’ll follow a structured plan to pay off debt faster and move toward a debt-free future.
Approved agency for all major creditors including
Comprehensive Financial Solutions for a Debt-Free Future
Our certified counselors provide personalized credit guidance to help you manage debt, improve financial habits, and regain control of your money—all with compassion and no judgment.
Whether you’re renting, buying, or facing foreclosure, our HUD-approved housing counselors offer trusted advice and resources to support stable, sustainable housing for individuals and families.
We offer specialized support tailored to your unique life circumstances—whether you’re navigating divorce, job loss, medical debt, or other financial hardships. You’re not alone—we’re here to help.
Get clear guidance before and after filing bankruptcy. We offer required pre-filing and post-filing counseling sessions to help you understand your options and rebuild your financial future.
Our Debt Management Program helps simplify payments and reduce interest, empowering you to pay off debt faster and with less stress—without taking out a new loan.
At APFSC we are committed to enhancing your financial literacy through tailored educational resources and personalized guidance, empowering you to make informed decisions and achieve your financial goals.
Click below to choose the right option for your financial freedom!
Not sure which solution fits your needs?
APFSC’s Credit Counseling services provide individuals with a comprehensive financial assessment, personalized budgeting guidance, and strategies to manage and reduce debt effectively. Our certified counselors help you understand your financial situation and explore the best paths to stability.
Whether you’re a first-time homebuyer, facing foreclosure, or struggling with rental payments, our Housing Counseling services provide expert guidance to help you make informed housing decisions. We offer advice on mortgage options, loan modifications, and rental assistance programs.
For those with unique financial challenges, APFSC offers Specialty Counseling tailored to individual needs. Whether you’re dealing with unexpected financial hardship, need business debt guidance, or require custom financial planning, our counselors develop solutions specific to your situation.
If you’re considering bankruptcy, APFSC provides essential pre-bankruptcy counseling and debtor education. Our certified courses help you understand your options, obligations, and alternatives, ensuring you make an informed decision about your financial future.
APFSC’s Debt Management Program offers a structured approach to tackling debt by allowing individuals to consolidate their monthly payments into a single, often lower, payment. This program also aims to negotiate with creditors to potentially reduce interest rates, which can significantly accelerate the debt repayment timeline and make monthly budgeting more manageable.
For individuals exploring options beyond traditional repayment, APFSC provides guidance on Debt Forgiveness Programs. These programs involve exploring possibilities for settling outstanding debts for a lower amount than what is currently owed or potentially having a portion of the debt forgiven altogether, depending on various factors and eligibility criteria.
Click below to choose the right option for your financial freedom!
Not sure which solution fits your needs?
Debt Calculator
Take Control of Your Debt – Explore Your Options Now!
Curious how long it will take to pay off your debt—or how much you could save each month? Our powerful Debt Management Tools can show you personalized estimates in seconds.
But that’s just the beginning…
Visit our Financial Calculator Center to access a full suite of tools designed to help you:
Click below to explore all our calculators and take the first step toward financial clarity!
Testimonials
Real Stories, Real Success
I have been in the program for a couple of months. I have to say I am extremely impressed with the customer service and accuracy of the process. My statements reflect the lower rates and my balances are finally going down. I will be debt free in 4 years instead of 27 years. The AES staff answered all my questions that I had. They explained the program to me and all the services that they provide. They helped me with my finances and present hardship. They were able to lower rates on every credit card I Have.
Bonnie Kartheiser
N. Fond du Lac, WI
I have been working with Amber #1309. She has been very courteous and respectful through out this application process. Our payments are not going to be reduced by a whole lot, but we will save a very large amount of money over the next five years and then be debt free. We are retired so the extra thousand dollars we will have after our debt is paid off will save us. Your agents are really wonderful to work with. Thank you for contacting us about your services, we are very grateful.
Nancy Moulton
Moab, UT
It has been 7 months since I was referred by Discover for the program. I have greatly appreciated the help that James#1722 has provided me with. The whole process went very smoothly and he was very kind, helpful and understanding to my needs!! Filling out this survey was the least that I could do for James at AES and all the help they provided my family. I will be debt free of 32,000 in debt in only 3 more years paying less than what the minimum payments were before the rates were reduced. If this had not happened for me and my family we would have been paying on our Discover accounts for the next 44 years. The lady that I respond back and forth with for questions or comments has always been very helpful! My transition into the program was top notch!!
Dawn Dahlstrom
Tripoli, IA
The representatives James and Brian were very helpful, they brought tears of joy to my eyes. The reason I went into hardship I was forced into early retirement and lost 60.000.00 per year in income. I also had brought a house out of my fathers estate when he passed away. I fixed up the house by charging some of the work to my credit cards. The house was to be sold at double the price but it didn’t happen due to market conditions. Since then I just recently had major surgery and I had a heart attack on the surgery table due to stress. With all of this happening to me life has been very hard but with the help of you all I know I’m going to make it “Love you All”
Sharlene Thomas
Racine, WI
The staff at AES are awesome!!! We are self employed and had 92,000 in debt. I was drowning! It has been a full time job for me just keeping things organized and managing paying all of the bills and it seemed like we were still a month or two late all the time. Amber 1309 was so patient and carefully explained everything, answered all of questions, and patiently took my application. We were approved!!!!!! This means the difference between BK and starting our life again! Our minimum payments are lower and we will finally be debt free in just a few years instead of forever. I am writing this because I am so grateful and I just feel like shouting it at the top of my lungs…YAYYY!!!
Karen Belardinelli
Ridgefield, CT
When I first received this offer, I thought it was to good to be true. With 80,000 in debt we were sinking fast. The staff at AES were so so patient and thorough. We are so thankful we were approved it brought tears to my eyes when I heard. Our debt was such a burden and we had called the creditors directly so many times to ask for help and the answer was always no! In 4 years we will be debt free paying less then what are minimum payments were and keep our good credit, AMAZING! This makes the difference, we will be saving 2000 per month and now be able to put our children through college. Thank you so much and God Bless all of you.
Frances Epstein
Tucson,AZ
I got caught up in the use of my credit cards and was overspending. I was only able to make minimum payments and was not getting anywhere. This program was a life saver for me and dramatically reduced my blood pressure. I have been in the program for 3 years and my accounts are down 70% of the balance! My payments are always on time to my creditors and my credit is excellent. I only have 1 year left to be debt free. The staff at AES is the best, always available and patiently answers all questions. They deserve this pat on the back!
Daniel Bacon
Pelham, AL
After recently retiring after 38 years in the human service profession, I commend James ID 1722 to the highest level of job performance in helping me reduce my current debt which has become quite a hardship to me and my family. His expertise and ability to answer questions were explained with compassion …demonstrating quite a passion for his job and wanting to help in any way possible. I never imagined as a young woman how I could accumulate such debt with credit cards. . .Now I am much older and will always be so thankful that I had the opportunity to work with James. . .He is quite an asset to the company and is now considered a real blessing in my life.
Martha Phillips
Asheboro, NC
As a Superior court judge I heavily scrutinize all things. After the thorough analysis provided as well as knowing I was on a fixed income. Due to my high interest rates, I determined this program was the only way I was ever going to pay off my credit card without damaging my credit. The representative was extremely polite and patient and the paperwork was clear and explained very well. I would recommend AES to the public and I am very thankful for their assistance.
Richard Sheward
New Albany, OH
My CSR and underwriter were very professional. I was a bit skeptical at first that this was in fact being offered to me. As an IT executive of the Department Of Justice and computer professional I know the dangers of doing business over the telephone. The staff was very thorough in my enrollment and very patient with my questions. After exploring many other options, this seemed like the only option to do something about the high rates I am paying without hurting my credit. I took a leap of faith to trust this process. It turned out to be legitimate and now I will be able to achieve my goal to be totally debt free in 7 years. I recommend AES and their staff to everyone.
James Harris
Waldorf, MD
Frequently Asked Questions
Still have questions? We’re here to help!
If you need more information or personalized guidance, feel free to reach out.
What is a debt management plan?
A debt management plan is debt relief program that is customized to get the client debt free in 3-5 years. A DMP will lower your interest rate, consolidate your credit card and unsecure debt into one low monthly payment. See if you qualify for a DMP by calling one of our certified credit counselors to see if you qualify. Call 1-800-749-0792 and get a free debt analysis today.
What can I expect when I talk to a credit counselor?
For Debt Management, a credit counselor will go over your income, debt, and expenses. If you do not have access to your debt information, our counselors, with your permission, can do a “soft pull” on your credit report. This has NO impact on your credit score, rather it gives the most updated information on your current debt. For Pre-Bankruptcy counseling there will be a review of the information you provided during your course and discussion to determine your understanding of course materials.
How long is a credit counseling session?
For Debt Management, A free debt analysis will only take 5-10 minutes to determine if you qualify for a DMP. For a customized budget and debt advice, you can expect your free credit counseling session to last anywhere from 30-40 minutes. For Pre-Bankruptcy Counseling. The average time to complete each course is approximately 30-60 minutes. There will be a live call that will be 15-30 minutes for each course.
What is the fee for credit counseling?
Debt management credit counseling services are free of charge. If you decide to enroll in a debt management plan, a small service charge that is regulated by law will be applied to your DMP, and will be included in your custom quote. If you are enrolling in Pre-Bankruptcy Credit Counseling and Education there will be a charge of $19.99 per course unless you qualify for a fee waiver.
How does a debt management program work?
Your creditors will be notified of your enrollment into a Debt Management Plan, and your accounts will be locked into a lower interest rate while remaining in the program. If you decide to cancel your plan, your reduced interest rates and perks will be lost, and your higher rates will be reestablished. Once all of you accounts are verified, you will only need to make a single payment to APFSC, and we will distribute your payment to your various creditors in a fashion to get your highest interest rate debt paid off first.
Can I still use my credit cards?
No, active card use is discouraged during the program to support your debt resolution plan.
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