Debt Relief Programs
If you’re facing debt problems in Indiana, you’re not alone. Many Hoosiers struggle with high-interest credit card bills, medical expenses, and other financial burdens. At APFSC, we offer non-profit debt relief and credit counseling services to help individuals and families regain control of their finances and work toward a debt-free future.
APFSC Helps Indiana Residents Reduce Their Total Credit Card Payments by Up to 50%
Consumer Debt in Indiana
This chart shows a breakdown of average consumer debt in Indiana, based on the latest Household Debt report from the Federal Reserve.
Understanding the Debt Landscape in Indiana
Debt is a growing concern across the United States, and Indiana is no exception. According to the Federal Reserve Bank of New York, the average credit card debt per household in Indiana is approximately $5,700, slightly below the national average but still a significant financial burden. In addition:
- 13.2% of Indiana residents have student loan debt (EducationData.org)
- The average student loan balance is over $32,000
- Roughly 9.1% of Indiana adults are living below the poverty line (U.S. Census Bureau)
These statistics highlight the need for accessible and affordable debt relief solutions tailored to the unique economic challenges faced by Hoosiers.
How APFSC Helps You Achieve Financial Freedom
At APFSC, we are dedicated to helping Indiana residents escape the cycle of debt through education, counseling, and customized debt management solutions. Here’s how we support your journey:
- Free Credit Counseling: Our certified counselors provide one-on-one sessions to assess your financial situation and recommend the best path forward.
- Debt Management Plans (DMPs): We negotiate with your creditors to reduce interest rates and consolidate your payments into a single monthly amount.
- Budgeting and Financial Education: We offer resources to help you build long-term financial habits and understand how to avoid debt traps.
- Support for All Types of Debt: Whether it’s credit card debt, medical bills, payday loans, or personal loans, we offer customized debt relief programs.
What Makes APFSC Different?
As a non-profit organization, our mission is not to profit off your financial distress. We focus on empowering individuals with the tools and guidance needed to make informed financial decisions. Our personalized approach is what sets us apart from for-profit debt settlement companies.
Talk to a HUD-certified housing counselor to get help with the housing challenges you’re facing.
Why Indiana Residents Choose Debt Relief
Here are some of the most common reasons why Hoosiers reach out for help:
- Rising cost of living and stagnant wages
- Emergency medical expenses
- Job loss or reduced income
- High-interest credit card debt
- Lack of financial education
If you’re experiencing any of these challenges, our debt relief experts can guide you toward a solution that fits your goals.
Real Results from Our Programs
Clients who enroll in our debt management program typically:
- Reduce their total interest payments by up to 30-50%
- Pay off their debt in 3 to 5 years
- See their credit scores improve over time with consistent on-time payments
We have helped thousands of individuals just like you in Indiana find financial peace of mind. You don’t have to face your debt alone.
Indiana Debt Relief Laws & Consumer Rights
Indiana has several state and federal protections in place for consumers facing debt:
- Statute of Limitations for most debts in Indiana is 6 years.
- The Indiana Homeowner Protection Unit protects homeowners from foreclosure scams.
- Under the Fair Debt Collection Practices Act (FDCPA), you have rights regarding how and when collectors can contact you.
Understanding your rights is an essential step in overcoming debt. Our counselors will walk you through all applicable laws during your consultation.
Take the First Step Toward a Debt-Free Life
Are you ready to take control of your finances? Our team at APFSC is here to guide you every step of the way. We offer free, no-obligation consultations to assess your situation and recommend practical solutions.
Here’s what happens when you reach out:
- You’ll speak to a certified counselor who understands Indiana-specific debt challenges
- We’ll review your credit report and financial situation
- We’ll suggest a path forward—whether that’s budgeting help, a DMP, or other resources
Don’t wait until your situation becomes overwhelming. Start your journey to financial freedom today.
Quick Facts About Debt in Indiana
- Average credit card debt: $5,700
- Student loan debt holders: 13.2% of residents
- Average student loan balance: $32,000
- Poverty rate: 9.1%
Bankruptcy rate: Indiana consistently ranks in the top 15 states for bankruptcy filings per capita (U.S. Courts Data)
Get Help from APFSC Today
If you’re feeling overwhelmed by debt, you’re not alone. APFSC has helped countless Indiana residents take control of their finances. Contact us today for a free consultation and start your journey toward financial freedom.
Contact Us to learn more or speak with a certified credit counselor!
FAQ
Is debt relief a good option in Indiana?
Yes. If you’re struggling to make minimum payments or facing collections, debt relief can help you regain control and avoid more serious consequences like bankruptcy.
Will joining a debt management plan hurt my credit?
Initially, your score may dip, but most clients see improvements over time due to consistent payments and reduced balances.
How long does the program take?
Most clients complete their debt management program in 3 to 5 years, depending on the amount of debt.
Is APFSC’s counseling really free?
Yes, your first credit counseling session is 100% free, confidential, and without obligation.
Case Studies
Approved agency for all major creditors including:
