Address
30021 Tomas St Suite 300
Rancho Santa Margarita, CA 92688
Overwhelmed by debt in Pearl City, Hawaii? You don't have to face it alone. APFSC is a DOJ-approved credit counseling agency offering 501(c)(3) nonprofit that has helped thousands of Americans save money, reduce stress, and get back on solid financial ground.
- Complimentary Credit Report Analysis
- Free Credit Counseling Session
- Personalized Debt Payoff Plan
APFSC is a federally approved nonprofit credit counseling agency serving Pearl City and all of Hawaii. 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 Choose APFSC for Credit Counseling in Pearl City?
APFSC is committed to offering the very best Credit Counseling program available to residents of Pearl City, Hawaii. 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 the emotional burden that debt can place on a person. Please contact us so that together, we can find a better way out of debt.
Benefits of Credit Counseling With APFSC in Pearl City
- Lower your rates through our Credit Counseling program, so more of your payment goes toward principal
- Achieve debt-free plan without any negative effect on your credit score or payment record
- Pay off your credit card debt much faster
- Simplify your finances with a single monthly payment that fits your budget
- Gain the tools and knowledge to manage your finances confidently going forward
- Customer Service Hotline to answer your questions
Pay Off Debt Years Sooner
Interest Rate Reduction
Save Thousands Of Dollars
Protect Your Credit Score
Credit Counseling FAQ for Pearl City Hawaii Residents
Still have questions about 501(c)(3) nonprofit in Pearl City? We’re here to help!
Contact our credit counseling agency team for a free, no-obligation consultation.
Can I qualify for debt relief with bad credit?
Yes! Many Pearl City Hawaii 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?
A brief, minor dip is possible, but the long-term trend is positive — most clients in Hawaii see credit score gains as their balances decrease.
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?
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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Email Address
© 2017 – 2025 American Pacific Financial Services Corp (APFSC). All rights reserved. APFSC does not loan money.