Address
30021 Tomas St Suite 300
Rancho Santa Margarita, CA 92688
Erie Pennsylvania residents: stop letting debt control your life. APFSC provides expert Debt Consolidation to help you take back control. Our one monthly payment team works directly with your creditors to secure lower rates and create a clear path to financial freedom.
- No-Cost Credit Report Evaluation
- Free Debt Consolidation Session
- Personalized Debt Payoff Plan
APFSC is a federally approved nonprofit one monthly payment serving Erie and all of Pennsylvania. All Credit Counseling sessions are offered free of charge in compliance with federal and state guidelines.
Approved agency for all major creditors including
What We Help With — and How
At APFSC, our goal is simple: help you break free from overwhelming debt without filing for bankruptcy or taking out more loans.
Our certified counselors work with your creditors to reduce interest rates, stop late fees, and simplify your payments into one affordable monthly plan. Whether you’re behind on bills or just need help organizing your finances — we’re here to create a clear path forward.
If you’re feeling stuck, stressed, or unsure what to do next — this is where your fresh start begins.
How does it work?
Credit Cards
Loans
Store Cards
Lines of Credit
Overdrafts
Business Debt
Credit Cards
Loans
Store Cards
Lines of Credit
Overdrafts
Business Debt
Why Erie Pennsylvania Residents Trust APFSC
APFSC is committed to offering the very best Debt Consolidation program available to residents of Erie, Pennsylvania. As a DOJ-approved agency, we meet the highest quality standards to help you achieve credit card consolidation. Debt affects more than your finances — it impacts your daily life, and we're here to help. Contact our Erie Pennsylvania team today — together, we'll find the right path to credit card consolidation.
How Debt Consolidation From APFSC Benefits You in Pennsylvania
- Get credit card consolidation — significantly reducing what you pay each month in Erie
- Interest rate reduction without negatively impacting your current payment or credit history
- lower interest rates — our program accelerates your path to becoming debt-free
- Consolidate into one easy payment — no more juggling multiple bills each month
- Build lasting financial habits with our expert counseling and education resources
- Customer Service Hotline to answer your questions
Shorten Your Debt Timeline
Reduced APR on Your Debt
Thousands in Potential Savings
Protect Your Credit Score
Debt Consolidation FAQ for Erie Pennsylvania Residents
Still have questions about consolidate debt in Erie? We’re here to help!
If you need more information or personalized guidance, feel free to reach out.
Can I qualify for debt relief with bad credit?
Yes — most people who qualify for our programs have less-than-perfect credit. In fact, that’s exactly who we’re here to help.
Will a debt relief plan hurt my credit score?
There may be a small initial dip, but as you make consistent payments through our Debt Consolidation program, most Erie clients see their scores improve.
Can I use my credit cards while enrolled?
To maximize your results, active credit cards are suspended while you work through the program. This helps you stay focused on becoming debt-free.
Is there a cost to enroll in a debt relief program?
We offer free evaluations. If you enroll, there may be a small monthly service fee — far less than what you’d pay in interest alone.
What kinds of debt are eligible?
Credit cards, personal loans, medical bills, and some types of unsecured debt. Secured debts (like mortgages) are not included.
How long does the process take?
Most clients complete the program in 3–5 years, depending on their total debt and monthly budget.
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