Address
30021 Tomas St Suite 300
Rancho Santa Margarita, CA 92688
Overwhelmed by debt in Columbia, Maryland? You don't have to face it alone. APFSC is a DOJ-approved nonprofit credit counselor offering free credit counseling that has helped thousands of Americans save money, reduce stress, and get back on solid financial ground.
- Free Credit Report Review
- Free Credit Counseling Consultation
- Custom Repayment Strategy
APFSC is a U.S. Department of Justice–approved 501(c)(3) nonprofit credit counseling agency. 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 APFSC Is the Right Choice for free credit counseling in Maryland
If you're looking for free credit counseling in Columbia, APFSC offers a proven Credit Counseling program built on trust and results. We have met the highest quality standards and are committed to helping you get your finances back on track through counseling and education. Debt affects more than your finances — it impacts your daily life, and we're here to help. Please contact us so that together, we can find a better way out of debt.
How Credit Counseling From APFSC Benefits You in Maryland
- Reduce your interest rates, meaning you will pay less each month
- Interest rate reduction without negatively impacting your current payment or credit history
- credit card debt help — our program accelerates your path to becoming debt-free
- Simplify your finances with a single monthly payment that fits your budget
- Improve your money management skills
- Questions? Our friendly support team is just a phone call away
Shorten Your Debt Timeline
Reduced APR on Your Debt
Thousands in Potential Savings
Protect Your Credit Score
Common Questions About free credit counseling in Maryland
Still have questions about free credit counseling in Columbia? 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?
Absolutely — our Credit Counseling program in Columbia is designed specifically for people with imperfect credit. That’s who we serve.
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?
Not during enrollment — the Credit Counseling program requires closing or pausing active cards so you can focus entirely on credit card debt help.
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?
Our Credit Counseling 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.