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Overwhelmed by debt in Des Moines, Iowa? You don't have to face it alone. APFSC is a DOJ-approved debt relief alternative offering avoid bankruptcy that has helped thousands of Americans save money, reduce stress, and get back on solid financial ground.
- Free Credit Report Review
- Free Debt Relief Consultation
- Personalized Debt Payoff Plan
APFSC is a federally approved nonprofit debt relief alternative serving Des Moines and all of Iowa. 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 avoid bankruptcy in Iowa
APFSC is committed to offering the very best Debt Relief program available to residents of Des Moines, Iowa. As a DOJ-approved agency, we meet the highest quality standards to help you achieve no-loan debt solution. 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 Relief From APFSC Benefits You in Iowa
- Get no-loan debt solution — significantly reducing what you pay each month in Des Moines
- Achieve no-loan debt solution without any negative effect on your credit score or payment record
- Pay off your credit card debt much faster
- Consolidate into one easy payment — no more juggling multiple bills each month
- Build lasting financial habits with our expert counseling and education resources
- Dedicated support team available to help Des Moines residents every step of the way
Shorten Your Debt Timeline
Reduced APR on Your Debt
Save Thousands Of Dollars
Credit-Safe Debt Solution
Frequently Asked Questions About Debt Relief in Des Moines
Still have questions about avoid bankruptcy in Des Moines? 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?
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?
To maximize your results, active credit cards are suspended while you work through the program. This helps you stay focused on becoming debt-free.
Is there a cost to enroll in a debt relief program?
Free consultations for Des Moines Iowa residents. Enrollment fees are minimal — and the savings on interest alone far outweigh the cost.
What kinds of debt are eligible?
Credit cards, personal loans, medical bills, and some types of unsecured debt. Secured debts (like mortgages) are not included.
How long does the process take?
The typical Debt Relief program runs 3 to 5 years, depending on your total debt and what fits your monthly budget.
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