Address
30021 Tomas St Suite 300
Rancho Santa Margarita, CA 92688
Los Angeles California residents: stop letting debt control your life. APFSC provides expert Credit Counseling to help you take back control. Our credit counseling agency team works directly with your creditors to secure lower rates and create a clear path to financial freedom.
- No-Cost Credit Report Evaluation
- Free Credit Counseling Consultation
- Personalized Debt Payoff Plan
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 Los Angeles California Residents Trust APFSC
For Los Angeles California residents seeking 501(c)(3) nonprofit, APFSC delivers the highest standard of Credit Counseling. As a DOJ-approved agency, we meet the highest quality standards to help you achieve debt-free plan. Debt affects more than your finances — it impacts your daily life, and we're here to help. Please contact us so that together, we can find a better way out of debt.
How Credit Counseling From APFSC Benefits You in California
- Reduce your interest rates, meaning you will pay less each month
- Interest rate reduction without negatively impacting your current payment or credit history
- free financial evaluation — our program accelerates your path to becoming debt-free
- Simplify your finances with a single monthly payment that fits your budget
- Improve your money management skills
- Questions? Our friendly support team is just a phone call away
Save Years of Payments
Reduced APR on Your Debt
Save Thousands Of Dollars
Credit-Safe Debt Solution
Common Questions About 501(c)(3) nonprofit in California
Still have questions about 501(c)(3) nonprofit in Los Angeles? 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 — 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?
A brief, minor dip is possible, but the long-term trend is positive — most clients in California see credit score gains as their balances decrease.
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 free financial evaluation.
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?
We help with credit card debt, personal loans, medical bills, and other unsecured obligations. Mortgages and other secured debts are handled separately.
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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© 2017 – 2025 American Pacific Financial Services Corp (APFSC). All rights reserved. APFSC does not loan money.