Debt Relief Programs
If you’re struggling with debt in Oregon, you’re not alone. Whether you live in Portland, Eugene, Salem, or a small town along the coast or in the mountains, many Oregonians are feeling the weight of credit card bills, student loan payments, and rising costs. At APFSC, we provide professional, non-profit debt relief and credit counseling services to help you take back control of your finances and work toward a debt-free future.
The Growing Debt Problem in Oregon
Debt in the Beaver State: The Bigger Picture
Oregon’s scenic beauty and growing job market can’t always shield its residents from financial stress. The average credit card debt per borrower in Oregon is over $5,800. On top of that, the average student loan debt exceeds $37,000—one of the highest in the country. Around 11.3% of residents are currently repaying student loans.
With inflation, high housing costs (especially in metro areas), and rising utility and transportation prices, many households rely on credit just to keep up. Unfortunately, the interest quickly adds up, turning short-term solutions into long-term problems.
That’s where we step in—with clear solutions, not judgment.
How APFSC Helps Oregon Residents Manage Debt
We begin with a free consultation with a certified credit counselor who reviews your income, expenses, and debts. If you qualify, we’ll design a customized Debt Management Plan (DMP) that combines your unsecured debts into one monthly payment—with lower interest rates and no surprises.
Here’s how we help:
- Combine multiple debts into one manageable payment
- Negotiate with creditors to reduce or eliminate interest
- End late fees, collection harassment, and financial stress
- Help you pay off debt in 3 to 5 years
- Offer tools and support to build lasting financial wellness
This is not a loan. It’s a structured, proven system that helps you repay what you owe—faster and with less stress.
Common Reasons Oregonians Fall Into Debt
- High housing costs in metro areas like Portland and Bend
- Out-of-pocket medical bills or emergencies
- Income gaps from layoffs or seasonal work
- Credit card usage for day-to-day living expenses
- Student loan repayment challenges after graduation
Why a Debt Management Plan Works
A Debt Management Plan (DMP) is ideal for people who want to pay off their debts in full, but need help simplifying their finances and negotiating better terms. Once enrolled, you make a single monthly payment to APFSC. We distribute it to your creditors—often at reduced interest rates and with fewer fees.
DMP benefits include:
- Predictable monthly payments
- Reduced interest rates from most major creditors
- No need for new loans or credit checks
- Protection from collections and legal action
- Steady credit score improvement with on-time payments
If you’ve been struggling to keep up, this plan brings structure, support, and relief.
Talk to a HUD-certified housing counselor to get help with the housing challenges you’re facing.
Your Rights as a Consumer in Oregon
Oregon residents are protected by the Fair Debt Collection Practices Act (FDCPA), which restricts what collectors can say and do when contacting you. Additionally, Oregon has a statute of limitations that limits how long creditors can sue over unpaid debt—typically six years for most accounts.
If you’re unsure about your legal options, or if you’re dealing with harassing phone calls, we’ll help you understand your rights and respond with confidence.
Oregon 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 Oregon. 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:
