Address
30021 Tomas St Suite 300
Rancho Santa Margarita, CA 92688
Overwhelmed by debt in Bakersfield, California? You don't have to face it alone. APFSC is a DOJ-approved thousands in savings offering save money on debt that has helped thousands of Americans save money, reduce stress, and get back on solid financial ground.
- Free Credit Report Review
- Free Debt Consolidation Session
- Custom Repayment Strategy
APFSC is a U.S. Department of Justice–approved 501(c)(3) nonprofit credit counseling agency. 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 Bakersfield California Residents Trust APFSC
If you're looking for save money on debt in Bakersfield, APFSC offers a proven Debt Consolidation program built on trust and results. Our thousands in savings team has helped thousands of people across California achieve lower interest charges through personalized counseling and financial 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 lower interest charges.
Advantages of Our Debt Consolidation Program for Bakersfield California Residents
- Lower your rates through our Debt Consolidation program, so more of your payment goes toward principal
- Our thousands in savings team negotiates lower rates while keeping your credit history intact
- lower interest charges — our program accelerates your path to becoming debt-free
- One monthly payment, with a payment date to match your schedule
- Build lasting financial habits with our expert counseling and education resources
- Customer Service Hotline to answer your questions
Pay Off Debt Years Sooner
Reduced APR on Your Debt
Keep More Money in Your Pocket
No Negative Impact To Your Credit
Frequently Asked Questions About Debt Consolidation in Bakersfield
Still have questions about save money on debt in Bakersfield? 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?
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 Debt Consolidation program requires closing or pausing active cards so you can focus entirely on lower interest charges.
Is there a cost to enroll in a debt relief program?
Free consultations for Bakersfield California residents. Enrollment fees are minimal — and the savings on interest alone far outweigh the cost.
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?
The typical Debt Consolidation 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.