Address
30021 Tomas St Suite 300
Rancho Santa Margarita, CA 92688
Aurora Illinois residents: stop letting debt control your life. APFSC provides expert Debt Relief to help you take back control. Our high balance help team works directly with your creditors to secure lower rates and create a clear path to financial freedom.
- Complimentary Credit Report Analysis
- Free Debt Relief Assessment
- Custom Repayment Strategy
APFSC is a U.S. Department of Justice–approved 501(c)(3) nonprofit credit counseling agency. Our Debt Relief 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 Aurora Illinois Residents Trust APFSC
If you're looking for credit card debt relief in Aurora, APFSC offers a proven Debt Relief program built on trust and results. As a DOJ-approved agency, we meet the highest quality standards to help you achieve stop collection calls. 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 reduce what you owe.
Benefits of Debt Relief With APFSC in Aurora
- Lower your rates through our Debt Relief program, so more of your payment goes toward principal
- Interest rate reduction without negatively impacting your current payment or credit history
- Pay off your credit card debt much faster
- One monthly payment, with a payment date to match your schedule
- Build lasting financial habits with our expert counseling and education resources
- Customer Service Hotline to answer your questions
Shorten Your Debt Timeline
Interest Rate Reduction
Save Thousands Of Dollars
Credit-Safe Debt Solution
Debt Relief FAQ for Aurora Illinois Residents
Still have questions about credit card debt relief in Aurora? We’re here to help!
Get personalized guidance from our experienced counselors — it’s completely free.
Can I qualify for debt relief with bad credit?
Absolutely — our Debt Relief program in Aurora 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 Relief program, most Aurora clients see their scores improve.
Can I use my credit cards while enrolled?
To maximize your results, active credit cards are suspended while you work through the program. This helps you stay focused on becoming debt-free.
Is there a cost to enroll in a debt relief program?
Free consultations for Aurora Illinois residents. Enrollment fees are minimal — and the savings on interest alone far outweigh the cost.
What kinds of debt are eligible?
Our Debt Relief 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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© 2017 – 2025 American Pacific Financial Services Corp (APFSC). All rights reserved. APFSC does not loan money.