Address
30021 Tomas St Suite 300
Rancho Santa Margarita, CA 92688
Looking for struggling with debt in Hialeah, Florida? APFSC is a need financial help 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.
- Complimentary Credit Report Analysis
- Free Debt Help Session
- Tailored Financial Action Plan
APFSC is a federally approved nonprofit need financial help serving Hialeah and all of Florida. 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 Florida
If you're looking for struggling with debt in Hialeah, APFSC offers a proven Debt Help program built on trust and results. As a DOJ-approved agency, we meet the highest quality standards to help you achieve talk to a counselor. Debt affects more than your finances — it impacts your daily life, and we're here to help. Please contact us so that together, we can find a better way out of debt.
How Debt Help From APFSC Benefits You in Florida
- Get talk to a counselor — significantly reducing what you pay each month in Hialeah
- Interest rate reduction without negatively impacting your current payment or credit history
- Pay off your credit card debt much faster
- Simplify your finances with a single monthly payment that fits your budget
- Improve your money management skills
- Customer Service Hotline to answer your questions
Save Years of Payments
Interest Rate Reduction
Thousands in Potential Savings
Credit-Safe Debt Solution
Common Questions About struggling with debt in Florida
Still have questions about struggling with debt in Hialeah? 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?
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?
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?
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?
Free consultations for Hialeah Florida residents. Enrollment fees are minimal — and the savings on interest alone far outweigh the cost.
What kinds of debt are eligible?
Our Debt Help 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 Debt Help program runs 3 to 5 years, depending on your total debt and what fits your monthly budget.
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