Address
30021 Tomas St Suite 300
Rancho Santa Margarita, CA 92688
Overwhelmed by debt in Chattanooga, Tennessee? You don't have to face it alone. APFSC is a DOJ-approved low service fees offering affordable debt plan that has helped thousands of Americans save money, reduce stress, and get back on solid financial ground.
- Free Credit Report Review
- Free Debt Management Session
- Personalized Debt Payoff Plan
APFSC is a federally approved nonprofit low service fees serving Chattanooga 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 affordable debt plan in Tennessee
APFSC is committed to offering the very best Debt Management program available to residents of Chattanooga, Tennessee. As a DOJ-approved agency, we meet the highest quality standards to help you achieve nonprofit debt management. 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 Management From APFSC Benefits You in Tennessee
- Lower your rates through our Debt Management program, so more of your payment goes toward principal
- Our low service fees team negotiates lower rates while keeping your credit history intact
- Pay off your credit card debt much faster
- Simplify your finances with a single monthly payment that fits your budget
- Build lasting financial habits with our expert counseling and education resources
- Dedicated support team available to help Chattanooga residents every step of the way
Pay Off Debt Years Sooner
Interest Rate Reduction
Save Thousands Of Dollars
Credit-Safe Debt Solution
Common Questions About affordable debt plan in Tennessee
Still have questions about affordable debt plan in Chattanooga? We’re here to help!
Contact our low service fees team for a free, no-obligation consultation.
Can I qualify for debt relief with bad credit?
Absolutely — our Debt Management program in Chattanooga is designed specifically for people with imperfect credit. That’s who we serve.
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?
Your initial Debt Management 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 Debt Management 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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