Address
30021 Tomas St Suite 300
Rancho Santa Margarita, CA 92688
Looking for get out of debt in Mesa, Arizona? APFSC is a free financial evaluation that helps people just like you save thousands in interest, lower monthly payments, and become debt-free — without negatively impacting your credit score or payment history.
- Free Credit Report Review
- Free Financial Counseling Session
- Tailored Financial Action Plan
As a DOJ-approved 501(c)(3) nonprofit, APFSC provides trusted Financial 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 Mesa Arizona Residents Trust APFSC
If you're looking for get out of debt in Mesa, APFSC offers a proven Financial Counseling program built on trust and results. As a DOJ-approved agency, we meet the highest quality standards to help you achieve money management. We understand how stressful debt can be — especially when you're unsure where to turn for help in Mesa. Please contact us so that together, we can find a better way out of debt.
Benefits of Financial Counseling With APFSC in Mesa
- Lower your rates through our Financial Counseling program, so more of your payment goes toward principal
- Achieve money management without any negative effect on your credit score or payment record
- Eliminate credit card balances faster through a structured Financial Counseling plan
- Consolidate into one easy payment — no more juggling multiple bills each month
- Improve your money management skills
- Customer Service Hotline to answer your questions
Save Years of Payments
Interest Rate Reduction
Keep More Money in Your Pocket
No Negative Impact To Your Credit
Frequently Asked Questions About Financial Counseling in Mesa
Still have questions about get out of debt in Mesa? 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?
There may be a small initial dip, but as you make consistent payments through our Financial Counseling program, most Mesa 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?
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?
Most Mesa clients are debt-free within 3–5 years. Your timeline depends on your total balance and the payment plan we build together.
Phone
Email Address
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