Address
30021 Tomas St Suite 300
Rancho Santa Margarita, CA 92688
Phoenix Arizona residents: stop letting debt control your life. APFSC provides expert Debt Consolidation to help you take back control. Our one monthly payment team works directly with your creditors to secure lower rates and create a clear path to financial freedom.
- No-Cost Credit Report Evaluation
- Free Debt Consolidation Session
- Tailored Financial Action Plan
APFSC is a U.S. Department of Justice–approved 501(c)(3) nonprofit credit counseling agency. Our Debt Consolidation 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 Choose APFSC for Debt Consolidation in Phoenix?
For Phoenix Arizona residents seeking consolidate debt, APFSC delivers the highest standard of Debt Consolidation. Our one monthly payment team has helped thousands of people across Arizona achieve lower interest rates through personalized counseling and financial education. We understand the emotional burden that debt can place on a person. Reach out today for a free consultation and let us build a personalized plan for lower interest rates.
How Debt Consolidation From APFSC Benefits You in Arizona
- Reduce your interest rates, meaning you will pay less each month
- Our one monthly payment team negotiates lower rates while keeping your credit history intact
- Pay off your credit card debt much faster
- 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 Phoenix residents every step of the way
Pay Off Debt Years Sooner
Lower Your Interest Rates
Keep More Money in Your Pocket
Protect Your Credit Score
Debt Consolidation FAQ for Phoenix Arizona Residents
Still have questions about consolidate debt in Phoenix? We’re here to help!
Contact our one monthly payment team for a free, no-obligation consultation.
Can I qualify for debt relief with bad credit?
Absolutely — our Debt Consolidation program in Phoenix 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 Debt Consolidation program requires closing or pausing active cards so you can focus entirely on lower interest rates.
Is there a cost to enroll in a debt relief program?
Your initial Debt Consolidation 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?
Our Debt Consolidation 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?
Most Phoenix clients are debt-free within 3–5 years. Your timeline depends on your total balance and the payment plan we build together.
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