Legal Aid Resources

Your payment history improves when you make consistent on-time payments on your consolidation loan.Payment History (35%) Positive...

Typically, there must be at least 40%-50%of the amount owed currently in the account before the financial obligation settlement company can make a deal.Consumers...

Consolidation may be beneficial if: You certify for a significantly lower interest rateYou have stable incomeYou dedicate to not accumulating...

An individual who settles a $20,000 debt for $10,000 may receive a 1099-C form and be required to pay taxes on the $10,000 "gain,"...

Since APFSC.ORG is a 501(c)(3) not-for-profit, the focus stays on education instead of profit, supplying a contrast to for-profit debt settlement business...