Address
30021 Tomas St Suite 300
Rancho Santa Margarita, CA 92688
Elk Grove California residents: stop letting debt control your life. APFSC provides expert Credit Counseling to help you take back control. Our overwhelmed by bills 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 Assessment
- Personalized Debt Payoff Plan
APFSC is a U.S. Department of Justice–approved 501(c)(3) nonprofit credit counseling agency. 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 Choose APFSC for Credit Counseling in Elk Grove?
APFSC is committed to offering the very best Credit Counseling program available to residents of Elk Grove, California. As a DOJ-approved agency, we meet the highest quality standards to help you achieve fresh financial start. We understand the emotional burden that debt can place on a person. Please contact us so that together, we can find a better way out of debt.
How Credit Counseling From APFSC Benefits You in California
- Lower your rates through our Credit Counseling program, so more of your payment goes toward principal
- Our overwhelmed by bills team negotiates lower rates while keeping your credit history intact
- debt stress relief — 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
- Dedicated support team available to help Elk Grove residents every step of the way
Pay Off Debt Years Sooner
Interest Rate Reduction
Keep More Money in Your Pocket
Credit-Safe Debt Solution
Common Questions About struggling with debt in California
Still have questions about struggling with debt in Elk Grove? 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?
Absolutely — our Credit Counseling program in Elk Grove is designed specifically for people with imperfect credit. That’s who we serve.
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 Elk Grove clients see their scores improve.
Can I use my credit cards while enrolled?
No — part of the program involves closing or suspending active credit cards to focus on paying off your current balances.
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.
Phone
Email Address
© 2017 – 2025 American Pacific Financial Services Corp (APFSC). All rights reserved. APFSC does not loan money.