Address
30021 Tomas St Suite 300
Rancho Santa Margarita, CA 92688
Denver Colorado residents: stop letting debt control your life. APFSC provides expert Credit Counseling to help you take back control. Our high interest rate help team works directly with your creditors to secure lower rates and create a clear path to financial freedom.
- No-Cost Credit Report Evaluation
- Free Credit Counseling Assessment
- Tailored Financial Action Plan
APFSC is a federally approved nonprofit high interest rate help serving Denver and all of Colorado. Our Credit Counseling 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 Denver Colorado Residents Trust APFSC
APFSC is committed to offering the very best Credit Counseling program available to residents of Denver, Colorado. Our high interest rate help team has helped thousands of people across Colorado achieve one monthly payment through personalized counseling and financial education. We understand how stressful debt can be — especially when you're unsure where to turn for help in Denver. Please contact us so that together, we can find a better way out of debt.
Benefits of Credit Counseling With APFSC in Denver
- Get pay off debt faster — significantly reducing what you pay each month in Denver
- Achieve pay off debt faster without any negative effect on your credit score or payment record
- Eliminate credit card balances faster through a structured Credit Counseling plan
- Simplify your finances with a single monthly payment that fits your budget
- Improve your money management skills
- Customer Service Hotline to answer your questions
Save Years of Payments
Reduced APR on Your Debt
Thousands in Potential Savings
Credit-Safe Debt Solution
Credit Counseling FAQ for Denver Colorado Residents
Still have questions about credit card debt relief in Denver? 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?
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?
Your score may dip slightly at first, but most clients see improvement over time as debts are paid down consistently.
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?
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?
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 Denver clients are debt-free within 3–5 years. Your timeline depends on your total balance and the payment plan we build together.
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