Debt Relief Programs
If you’re struggling with debt in Florida, you’re not alone. From Miami to Orlando, Tampa to Jacksonville, and everywhere in between, Floridians across the state are facing rising credit card debt, high living costs, and increasing financial pressure. At APFSC, we offer personalized, non-profit debt relief and credit counseling services designed to help you regain control and work toward long-term financial peace of mind.
The Growing Debt Problem in Florida
Understanding the Debt Crisis in Florida
Florida’s cost of living continues to rise, especially in housing, healthcare, and utilities. Many households rely on credit cards to cover daily expenses or unexpected emergencies. The average credit card debt per borrower in Florida is now over $6,000, while the average student loan debt has reached $38,000. Around 12.2% of Floridians are currently paying off student loans.
Tourism-based economies, seasonal work, and natural disasters also play a role in financial instability across the state. When income drops and expenses rise, many families find themselves stuck in a cycle of high-interest debt with no clear way out. That’s where APFSC steps in—with a plan that works.
How APFSC Helps Florida Residents
After reviewing your financial picture—your income, expenses, and outstanding debts—we build a customized Debt Management Plan (DMP) that simplifies your payments and lowers your interest rates.
Our DMP helps you:
- Combine unsecured debts into one manageable monthly payment
- Lower interest rates through creditor negotiations
- Stop late fees and harassing collection calls
- Pay off your total debt in 3 to 5 years
- Build healthy budgeting habits and regain financial confidence
You don’t need to borrow more money—just restructure what you owe in a smarter, stress-free way.
Top Reasons Floridians Fall Into Debt
- Skyrocketing rent and home prices, especially in major cities
- Medical expenses without adequate insurance
- Job loss or reduced hours in seasonal industries
- Credit card usage for basic needs and emergencies
- Lack of savings or access to financial education
Why Choose a Debt Management Plan?
A Debt Management Plan is a structured, proven way to pay off your unsecured debt in full—without resorting to bankruptcy or risky loans. When you enroll, we contact your creditors, negotiate better terms, and handle your payments for you.
Benefits of a DMP:
- Predictable, single monthly payments
- Lower interest rates from most major credit card companies
- Elimination of late fees and penalties
- Improved credit score with consistent on-time payments
- Support from financial counselors every step of the way
If you’re juggling multiple due dates, minimum payments, and high APRs, a DMP brings clarity and relief.
Talk to a HUD-certified housing counselor to get help with the housing challenges you’re facing.
Your Legal Rights in Florida
As a Florida resident, you’re protected by the Fair Debt Collection Practices Act (FDCPA), which bans abusive, misleading, or harassing collection activity. In addition, Florida enforces a statute of limitations—typically five years—for creditors to take legal action on unpaid debts.
If you’re receiving legal threats or constant calls from collectors, APFSC can help you understand your rights and guide you through a safer, more effective way to resolve your debt.
Florida Debt Statistics
Why Choose APFSC?
As a non-profit organization, APFSC is focused on helping you—not profiting from your situation. We offer judgment-free support, transparent options, and actionable steps to help you get back on track.
When you contact us, you’ll speak with a certified counselor who understands the financial challenges unique to Florida. You’ll receive a personalized action plan based on your income, debt, and long-term goals. There’s no obligation, and your first session is completely free.
FAQ
Will a Debt Management Plan hurt my credit score?
Initially, it might dip slightly, but most clients see improvement over time as they make consistent on-time payments.
How long does the program take?
Most people complete their plan in 3 to 5 years, depending on how much they owe.
Can I still use my credit cards?
Once enrolled in a DMP, those accounts are typically closed to help you stay on track.
Is my information kept confidential?
Yes. All consultations and services are private and secure.
Case Studies
Approved agency for all major creditors including:
