Real Solutions for Real Debt Problems.
Experienced, confidential and affordable bankruptcy and debt relief options for New Yorkers. Flat-fee, same day available.
How We Help
Bankruptcy Relief
Debt Settlement and Protection
Debt Settlement and Protection
We help individuals and businesses eliminate or reorganize debt through Chapter 7 and 13 filings. Our goal is to protect your assets, stop collection actions, and give you a fresh financial start.
Debt Settlement and Protection
Debt Settlement and Protection
Debt Settlement and Protection
When bankruptcy isn't the right fit, AP3 negotiates directly with creditors to reduce balances or settle lawsuits. We also stop wage garnishments, foreclosure and frozen accounts before they spiral.
Credit and Financial Recovery
Debt Settlement and Protection
Credit and Financial Recovery
After debt resolution we guide clients on rebuilding their credit, correcting reporting errors, and protecting their financial reputation. Every plan is designed to move you toward long-term stability.