Address
30021 Tomas St Suite 300
Rancho Santa Margarita, CA 92688
Looking for credit card debt relief in Moreno Valley, California? APFSC is a high balance help 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 Debt Relief Consultation
- Tailored Financial Action Plan
APFSC is a U.S. Department of Justice–approved 501(c)(3) nonprofit credit counseling agency. All Credit Counseling sessions are offered free of charge in compliance with federal and state guidelines.
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 Moreno Valley California Residents Trust APFSC
APFSC is committed to offering the very best Debt Relief program available to residents of Moreno Valley, California. We have met the highest quality standards and are committed to helping you get your finances back on track through counseling and education. We understand how stressful debt can be — especially when you're unsure where to turn for help in Moreno Valley. Reach out today for a free consultation and let us build a personalized plan for reduce what you owe.
How Debt Relief From APFSC Benefits You in California
- Get stop collection calls — significantly reducing what you pay each month in Moreno Valley
- Our high balance help 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
- Questions? Our friendly support team is just a phone call away
Pay Off Debt Years Sooner
Lower Your Interest Rates
Keep More Money in Your Pocket
No Negative Impact To Your Credit
Debt Relief FAQ for Moreno Valley California Residents
Still have questions about credit card debt relief in Moreno Valley? We’re here to help!
Contact our high balance help team for a free, no-obligation consultation.
Can I qualify for debt relief with bad credit?
Yes! Many Moreno Valley California residents who enroll in our program have struggled with their credit. We’re here to help you move forward.
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 Moreno Valley 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?
Free consultations for Moreno Valley California residents. Enrollment fees are minimal — and the savings on interest alone far outweigh the cost.
What kinds of debt are eligible?
Credit cards, personal loans, medical bills, and some types of unsecured debt. Secured debts (like mortgages) are not included.
How long does the process take?
Most clients complete the program in 3–5 years, depending on their total debt and monthly budget.
Phone
Email Address
© 2017 – 2025 American Pacific Financial Services Corp (APFSC). All rights reserved. APFSC does not loan money.