Address
30021 Tomas St Suite 300
Rancho Santa Margarita, CA 92688
Looking for get out of debt in San Diego, California? APFSC is a free financial evaluation 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.
- No-Cost Credit Report Evaluation
- Free Financial Counseling Assessment
- Tailored Financial Action Plan
As a DOJ-approved 501(c)(3) nonprofit, APFSC provides trusted Financial Counseling services. Our Financial 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 APFSC Is the Right Choice for get out of debt in California
If you're looking for get out of debt in San Diego, APFSC offers a proven Financial 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. Contact our San Diego California team today — together, we'll find the right path to money management.
How Financial Counseling From APFSC Benefits You in California
- Get money management — significantly reducing what you pay each month in San Diego
- Achieve money management without any negative effect on your credit score or payment record
- Eliminate credit card balances faster through a structured Financial Counseling plan
- Consolidate into one easy payment — no more juggling multiple bills each month
- Build lasting financial habits with our expert counseling and education resources
- Dedicated support team available to help San Diego residents every step of the way
Pay Off Debt Years Sooner
Interest Rate Reduction
Save Thousands Of Dollars
No Negative Impact To Your Credit
Common Questions About get out of debt in California
Still have questions about get out of debt in San Diego? 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?
There may be a small initial dip, but as you make consistent payments through our Financial Counseling program, most San Diego 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 San Diego California residents. Enrollment fees are minimal — and the savings on interest alone far outweigh the cost.
What kinds of debt are eligible?
Our Financial 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?
The typical Financial Counseling program runs 3 to 5 years, depending on your total debt and what fits your monthly budget.
Phone
Email Address
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