Address
30021 Tomas St Suite 300
Rancho Santa Margarita, CA 92688
Salt Lake City Utah residents: stop letting debt control your life. APFSC provides expert Bankruptcy Counseling to help you take back control. Our bankruptcy alternative team works directly with your creditors to secure lower rates and create a clear path to financial freedom.
- Free Credit Report Review
- Free Bankruptcy Counseling Session
- Custom Repayment Strategy
As a DOJ-approved 501(c)(3) nonprofit, APFSC provides trusted Bankruptcy Counseling services. Our Bankruptcy Counseling sessions are provided at no cost, meeting all federal and state requirements.
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 avoid filing bankruptcy in Utah
APFSC is committed to offering the very best Bankruptcy Counseling program available to residents of Salt Lake City, Utah. 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. Please contact us so that together, we can find a better way out of debt.
Advantages of Our Bankruptcy Counseling Program for Salt Lake City Utah Residents
- Lower your rates through our Bankruptcy Counseling program, so more of your payment goes toward principal
- Achieve protect your assets without any negative effect on your credit score or payment record
- debt management instead — our program accelerates your path to becoming debt-free
- One monthly payment, with a payment date to match your schedule
- Build lasting financial habits with our expert counseling and education resources
- Questions? Our friendly support team is just a phone call away
Shorten Your Debt Timeline
Interest Rate Reduction
Thousands in Potential Savings
Protect Your Credit Score
Frequently Asked Questions About Bankruptcy Counseling in Salt Lake City
Still have questions about avoid filing bankruptcy in Salt Lake City? We’re here to help!
Contact our bankruptcy alternative team for a free, no-obligation consultation.
Can I qualify for debt relief with bad credit?
Yes! Many Salt Lake City Utah residents who enroll in our program have struggled with their credit. We’re here to help you move forward.
Will a debt relief plan hurt my credit score?
There may be a small initial dip, but as you make consistent payments through our Bankruptcy Counseling program, most Salt Lake City clients see their scores improve.
Can I use my credit cards while enrolled?
Not during enrollment — the Bankruptcy Counseling program requires closing or pausing active cards so you can focus entirely on debt management instead.
Is there a cost to enroll in a debt relief program?
We offer free evaluations. If you enroll, there may be a small monthly service fee — far less than what you’d pay in interest alone.
What kinds of debt are eligible?
Our Bankruptcy 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?
The typical Bankruptcy Counseling program runs 3 to 5 years, depending on your total debt and what fits your monthly budget.
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