Address
30021 Tomas St Suite 300
Rancho Santa Margarita, CA 92688
Looking for overwhelmed by debt in Stamford, Connecticut? APFSC is a need debt 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.
- Complimentary Credit Report Analysis
- Free Debt Relief Consultation
- Personalized Debt Payoff 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 Stamford Connecticut Residents Trust APFSC
For Stamford Connecticut residents seeking overwhelmed by debt, APFSC delivers the highest standard of Debt Relief. As a DOJ-approved agency, we meet the highest quality standards to help you achieve debt-free in 3-5 years. 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.
How Debt Relief From APFSC Benefits You in Connecticut
- Reduce your interest rates, meaning you will pay less each month
- Interest rate reduction without negatively impacting your current payment or credit history
- Eliminate credit card balances faster through a structured Debt Relief plan
- Simplify your finances with a single monthly payment that fits your budget
- Build lasting financial habits with our expert counseling and education resources
- Customer Service Hotline to answer your questions
Pay Off Debt Years Sooner
Reduced APR on Your Debt
Save Thousands Of Dollars
Protect Your Credit Score
Frequently Asked Questions About Debt Relief in Stamford
Still have questions about overwhelmed by debt in Stamford? 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?
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?
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 Stamford Connecticut residents. Enrollment fees are minimal — and the savings on interest alone far outweigh the cost.
What kinds of debt are eligible?
Our Debt Relief 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 Debt Relief program runs 3 to 5 years, depending on your total debt and what fits your monthly budget.
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