Address
30021 Tomas St Suite 300
Rancho Santa Margarita, CA 92688
Overwhelmed by debt in Honolulu, Hawaii? You don't have to face it alone. APFSC is a DOJ-approved overwhelmed by bills offering struggling with debt 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
- Personalized Debt Payoff Plan
APFSC is a federally approved nonprofit overwhelmed by bills serving Honolulu and all of Hawaii. 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 Honolulu Hawaii Residents Trust APFSC
APFSC is committed to offering the very best Credit Counseling program available to residents of Honolulu, 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. Contact our Honolulu Hawaii team today — together, we'll find the right path to fresh financial start.
How Credit Counseling From APFSC Benefits You in Hawaii
- Lower your rates through our Credit Counseling program, so more of your payment goes toward principal
- Interest rate reduction without negatively impacting your current payment or credit history
- Eliminate credit card balances faster through a structured Credit Counseling plan
- Consolidate into one easy payment — no more juggling multiple bills each month
- Gain the tools and knowledge to manage your finances confidently going forward
- Customer Service Hotline to answer your questions
Shorten Your Debt Timeline
Lower Your Interest Rates
Save Thousands Of Dollars
No Negative Impact To Your Credit
Credit Counseling FAQ for Honolulu Hawaii Residents
Still have questions about struggling with debt in Honolulu? 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! Many Honolulu 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?
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?
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?
Credit cards, personal loans, medical bills, and some types of unsecured debt. Secured debts (like mortgages) are not included.
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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