Address
30021 Tomas St Suite 300
Rancho Santa Margarita, CA 92688
Overwhelmed by debt in San Diego, California? You don't have to face it alone. APFSC is a DOJ-approved one monthly payment offering consolidate 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 Consultation
- Tailored Financial Action Plan
As a DOJ-approved 501(c)(3) nonprofit, APFSC provides trusted Debt Consolidation 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 consolidate debt in California
If you're looking for consolidate debt in San Diego, APFSC offers a proven Debt Consolidation 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. Please contact us so that together, we can find a better way out of debt.
How Debt Consolidation From APFSC Benefits You in California
- Lower your rates through our Debt Consolidation program, so more of your payment goes toward principal
- Achieve credit card consolidation without any negative effect on your credit score or payment record
- 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 San Diego residents every step of the way
Pay Off Debt Years Sooner
Interest Rate Reduction
Save Thousands Of Dollars
Protect Your Credit Score
Common Questions About consolidate debt in California
Still have questions about consolidate debt in San Diego? 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?
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 rates.
Is there a cost to enroll in a debt relief program?
Free consultations for San Diego California residents. Enrollment fees are minimal — and the savings on interest alone far outweigh the cost.
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 clients complete the program in 3–5 years, depending on their total debt and monthly budget.
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