Address
30021 Tomas St Suite 300
Rancho Santa Margarita, CA 92688
Pembroke Pines Florida residents: stop letting debt control your life. APFSC provides expert Debt Management to help you take back control. Our interest rate negotiation team works directly with your creditors to secure lower rates and create a clear path to financial freedom.
- Free Credit Report Review
- Free Debt Management Session
- Personalized Debt Payoff Plan
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 Choose APFSC for Debt Management in Pembroke Pines?
For Pembroke Pines Florida residents seeking save on interest, APFSC delivers the highest standard of Debt Management. Our interest rate negotiation team has helped thousands of people across Florida achieve creditor agreements through personalized counseling and financial 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 Debt Management From APFSC Benefits You in Florida
- Lower your rates through our Debt Management program, so more of your payment goes toward principal
- Our interest rate negotiation team negotiates lower rates while keeping your credit history intact
- Pay off your credit card debt much faster
- Consolidate into one easy payment — no more juggling multiple bills each month
- 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
Thousands in Potential Savings
Credit-Safe Debt Solution
Frequently Asked Questions About Debt Management in Pembroke Pines
Still have questions about save on interest in Pembroke Pines? 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! Many Pembroke Pines Florida 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?
There may be a small initial dip, but as you make consistent payments through our Debt Management program, most Pembroke Pines clients see their scores improve.
Can I use my credit cards while enrolled?
Not during enrollment — the Debt Management program requires closing or pausing active cards so you can focus entirely on creditor agreements.
Is there a cost to enroll in a debt relief program?
Your initial Debt Management evaluation is completely free. If you choose to enroll, there’s a modest monthly fee that’s a fraction of the interest you’ll save.
What kinds of debt are eligible?
Our Debt Management 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 Management program runs 3 to 5 years, depending on your total debt and what fits your monthly budget.
Phone
Email Address
© 2017 – 2025 American Pacific Financial Services Corp (APFSC). All rights reserved. APFSC does not loan money.