Address
30021 Tomas St Suite 300
Rancho Santa Margarita, CA 92688
Overwhelmed by debt in Memphis, Tennessee? You don't have to face it alone. APFSC is a DOJ-approved lower credit card rates offering save on interest that has helped thousands of Americans save money, reduce stress, and get back on solid financial ground.
- No-Cost Credit Report Evaluation
- Free Interest Savings Consultation
- Tailored Financial Action Plan
APFSC is a federally approved nonprofit lower credit card rates serving Memphis and all of Tennessee. 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 save on interest in Tennessee
For Memphis Tennessee residents seeking save on interest, APFSC delivers the highest standard of Interest Savings. 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 how stressful debt can be — especially when you're unsure where to turn for help in Memphis. Reach out today for a free consultation and let us build a personalized plan for thousands in savings.
Advantages of Our Interest Savings Program for Memphis Tennessee Residents
- Reduce your interest rates, meaning you will pay less each month
- Achieve interest rate reduction without any negative effect on your credit score or payment record
- Pay off your credit card debt much faster
- Simplify your finances with a single monthly payment that fits your budget
- Gain the tools and knowledge to manage your finances confidently going forward
- Questions? Our friendly support team is just a phone call away
Pay Off Debt Years Sooner
Reduced APR on Your Debt
Save Thousands Of Dollars
Protect Your Credit Score
Interest Savings FAQ for Memphis Tennessee Residents
Still have questions about save on interest in Memphis? 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! Many Memphis Tennessee 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 Interest Savings program, most Memphis clients see their scores improve.
Can I use my credit cards while enrolled?
Not during enrollment — the Interest Savings program requires closing or pausing active cards so you can focus entirely on thousands in savings.
Is there a cost to enroll in a debt relief program?
Your initial Interest Savings 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?
Our Interest Savings 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?
Most clients complete the program in 3–5 years, depending on their total debt and monthly budget.
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