Address
30021 Tomas St Suite 300
Rancho Santa Margarita, CA 92688
Overwhelmed by debt in Pasadena, Texas? You don't have to face it alone. APFSC is a DOJ-approved debt management advice offering certified credit counselor that has helped thousands of Americans save money, reduce stress, and get back on solid financial ground.
- Free Credit Report Review
- Free Credit Counseling Assessment
- Tailored Financial Action Plan
As a DOJ-approved 501(c)(3) nonprofit, APFSC provides trusted Credit Counseling services. Every counseling session is completely free, in full compliance with federal and state regulations.
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 certified credit counselor in Texas
If you're looking for certified credit counselor in Pasadena, 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. Debt affects more than your finances — it impacts your daily life, and we're here to help. Reach out today for a free consultation and let us build a personalized plan for reduce monthly payments.
How Credit Counseling From APFSC Benefits You in Texas
- Reduce your interest rates, meaning you will pay less each month
- Interest rate reduction without negatively impacting your current payment or credit history
- Eliminate credit card balances faster through a structured Credit Counseling plan
- 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
Pay Off Debt Years Sooner
Interest Rate Reduction
Thousands in Potential Savings
Credit-Safe Debt Solution
Frequently Asked Questions About Credit Counseling in Pasadena
Still have questions about certified credit counselor in Pasadena? 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?
Absolutely — our Credit Counseling program in Pasadena is designed specifically for people with imperfect credit. That’s who we serve.
Will a debt relief plan hurt my credit score?
Your score may dip slightly at first, but most clients see improvement over time as debts are paid down consistently.
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 reduce monthly payments.
Is there a cost to enroll in a debt relief program?
Your initial Credit Counseling evaluation is completely free. If you choose to enroll, there’s a modest monthly fee that’s a fraction of the interest you’ll save.
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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© 2017 – 2025 American Pacific Financial Services Corp (APFSC). All rights reserved. APFSC does not loan money.