Address
30021 Tomas St Suite 300
Rancho Santa Margarita, CA 92688
Overwhelmed by debt in El Paso, Texas? You don't have to face it alone. APFSC is a DOJ-approved no-loan consolidation offering nonprofit debt help 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
- Custom Repayment Strategy
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 APFSC Is the Right Choice for nonprofit debt help in Texas
For El Paso Texas residents seeking nonprofit debt help, APFSC delivers the highest standard of Debt Consolidation. Our no-loan consolidation team has helped thousands of people across Texas achieve reduce financial stress through personalized counseling and financial education. 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 Debt Consolidation From APFSC Benefits You in Texas
- Get debt payoff plan — significantly reducing what you pay each month in El Paso
- Our no-loan consolidation team negotiates lower rates while keeping your credit history intact
- Eliminate credit card balances faster through a structured Debt Consolidation plan
- One monthly payment, with a payment date to match your schedule
- Gain the tools and knowledge to manage your finances confidently going forward
- Customer Service Hotline to answer your questions
Save Years of Payments
Reduced APR on Your Debt
Save Thousands Of Dollars
Protect Your Credit Score
Common Questions About nonprofit debt help in Texas
Still have questions about nonprofit debt help in El Paso? We’re here to help!
Contact our no-loan consolidation team for a free, no-obligation consultation.
Can I qualify for debt relief with bad credit?
Absolutely — our Debt Consolidation program in El Paso 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 Debt Consolidation program, most El Paso clients see their scores improve.
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 reduce financial stress.
Is there a cost to enroll in a debt relief program?
Free consultations for El Paso Texas 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?
Most El Paso 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
© 2017 – 2025 American Pacific Financial Services Corp (APFSC). All rights reserved. APFSC does not loan money.