Debt Relief Programs
If you’re struggling with debt in West Virginia, you’re not alone. Whether you’re in Charleston, Morgantown, or a small mountain town, many residents of the Mountain State are dealing with overwhelming credit card balances, rising bills, and past-due loan payments. At APFSC, we provide personalized, non-profit debt relief and credit counseling services to help West Virginians take control of their finances and build a debt-free future.
The Growing Debt Problem in West Virginia
Debt in the Mountain State: What You Should Know
West Virginia residents face some of the nation’s toughest economic conditions. With a median household income below the national average, many households rely on credit cards and personal loans to bridge financial gaps. The average credit card debt in West Virginia is over $5,300, and the average student loan debt is around $32,000. Nearly 13% of West Virginians carry student loan balances.
Many families are burdened by medical bills, vehicle repairs, and rising costs of living. Without savings to fall back on, debt quickly becomes unmanageable. At APFSC, we work with you to understand your full financial picture and recommend solutions that help you pay off debt efficiently while protecting your credit and peace of mind.
How APFSC Helps You Get Back on Track
The first step is a free consultation with one of our certified credit counselors. We’ll evaluate your monthly income, expenses, and all outstanding debts. From there, we’ll create a custom Debt Management Plan (DMP) that makes your payments more manageable and stops the stress from mounting bills and collectors.
Our services include:
- Combining all unsecured debts into one affordable monthly payment
- Working with creditors to lower interest rates and eliminate penalties
- Stopping collection calls and helping you avoid legal action
- Offering long-term budgeting and financial education
- Helping you become debt-free in 3 to 5 years
All of this is done without taking out a new loan, and you’ll have continued support from our team every step of the way.
Why West Virginians Fall Into Debt
- Job losses, reduced work hours, or inconsistent seasonal income
- Medical emergencies and lack of affordable health coverage
- Credit card overuse to cover basic living expenses
- Student loans without a clear repayment plan
- Limited access to financial education and tools
The Power of a Debt Management Plan (DMP)
A Debt Management Plan is one of the most effective tools for those with high-interest unsecured debt. It doesn’t involve consolidation loans, which can come with new risks. Instead, your existing debts are negotiated and structured into a single payment, which is sent to all creditors on your behalf.
Here’s what most clients experience after enrolling:
- Monthly payments are simplified and reduced
- Interest rates drop significantly
- Debt is fully repaid, not settled for less
- Credit scores improve over time with on-time payments
- Financial stress decreases as stability returns
If you’ve been juggling due dates, paying minimums, and getting nowhere—this is the lifeline you need.
Talk to a HUD-certified housing counselor to get help with the housing challenges you’re facing.
Your Legal Rights as a West Virginia Consumer
West Virginia law protects consumers from unfair or aggressive debt collection practices. If a debt collector has threatened you or repeatedly contacted you, you may have grounds to report them. State law also enforces a statute of limitations on how long creditors can pursue unpaid debts in court.
Our team ensures you fully understand your rights before taking action. We’re here to support you—not judge you. We’ll guide you toward the best solution while helping you feel confident every step of the way.
West Virginia Debt Snapshot
- Average credit card debt: $5,348
- Average student loan debt: $32,358
- Percentage of residents with student loans: 12.7%
- Average credit score: 689
- Total student loan debt in West Virginia: $7.3 billion
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 West Virginia. 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:
