Address
30021 Tomas St Suite 300
Rancho Santa Margarita, CA 92688
Looking for free credit counseling in Frisco, Texas? APFSC is a nonprofit credit counselor that helps people just like you save thousands in interest, lower monthly payments, and become debt-free — without negatively impacting your credit score or payment history.
- Complimentary Credit Report Analysis
- Free Credit Counseling Assessment
- Custom Repayment Strategy
As a DOJ-approved 501(c)(3) nonprofit, APFSC provides trusted Credit Counseling services. Our Credit Counseling sessions are provided at no cost, meeting all federal and state requirements.
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 APFSC Is the Right Choice for free credit counseling in Texas
If you're looking for free credit counseling in Frisco, APFSC offers a proven Credit Counseling program built on trust and results. We have met the highest quality standards and are committed to helping you get your finances back on track through counseling and education. We understand the emotional burden that debt can place on a person. Contact our Frisco Texas team today — together, we'll find the right path to lower interest rates.
How Credit Counseling From APFSC Benefits You in Texas
- Lower your rates through our Credit Counseling program, so more of your payment goes toward principal
- Achieve lower interest rates without any negative effect on your credit score or payment record
- Eliminate credit card balances faster through a structured Credit Counseling plan
- Consolidate into one easy payment — no more juggling multiple bills each month
- Build lasting financial habits with our expert counseling and education resources
- Dedicated support team available to help Frisco residents every step of the way
Shorten Your Debt Timeline
Interest Rate Reduction
Thousands in Potential Savings
No Negative Impact To Your Credit
Frequently Asked Questions About Credit Counseling in Frisco
Still have questions about free credit counseling in Frisco? We’re here to help!
Get personalized guidance from our experienced counselors — it’s completely free.
Can I qualify for debt relief with bad credit?
Yes! Many Frisco Texas residents who enroll in our program have struggled with their credit. We’re here to help you move forward.
Will a debt relief plan hurt my credit score?
There may be a small initial dip, but as you make consistent payments through our Credit Counseling program, most Frisco clients see their scores improve.
Can I use my credit cards while enrolled?
Not during enrollment — the Credit Counseling program requires closing or pausing active cards so you can focus entirely on credit card debt help.
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?
Our Credit Counseling program covers credit cards, personal loans, medical bills, and most unsecured debts. Secured debts like mortgages are not eligible.
How long does the process take?
The typical Credit Counseling program runs 3 to 5 years, depending on your total debt and what fits your monthly budget.
Phone
Email Address
© 2017 – 2025 American Pacific Financial Services Corp (APFSC). All rights reserved. APFSC does not loan money.