American Pacific Financial Services Corp.
A 501(c)(3) Nonprofit Organization
Choose Your Credit Card Debt Amount for a Free Savings Analysis and Free Credit Report
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.
Find the Best Counseling Service for You:
APFSC offers a range of professional counseling services to help you navigate financial challenges and regain control of your finances. Whether you’re dealing with overwhelming debt, housing concerns, or need specialized financial guidance, we provide expert solutions tailored to your situation.
Credit Counseling
APFSC’s Credit Counseling services provide individuals with a comprehensive financial assessment, personalized budgeting guidance, and strategies to manage and reduce debt effectively. Our certified counselors help you understand your financial situation and explore the best paths to stability.
Housing Counseling
Whether you’re a first-time homebuyer, facing foreclosure, or struggling with rental payments, our Housing Counseling services provide expert guidance to help you make informed housing decisions. We offer advice on mortgage options, loan modifications, and rental assistance programs.
Specialty Counseling
For those with unique financial challenges, APFSC offers Specialty Counseling tailored to individual needs. Whether you’re dealing with unexpected financial hardship, need business debt guidance, or require custom financial planning, our counselors develop solutions specific to your situation.
Bankruptcy Counseling
If you’re considering bankruptcy, APFSC provides essential pre-bankruptcy counseling and debtor education. Our certified courses help you understand your options, obligations, and alternatives, ensuring you make an informed decision about your financial future.
Dive Deeper: Everything You Need to Know
Frequently Asked Questions
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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?
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.
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?
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.
What documents should I bring to a housing counseling session?
Recent mortgage statements, pay stubs, budget breakdown, and any letters from your lender will help us assist you better.
Can I still get help if I’m behind on my mortgage?
Yes, absolutely. The earlier you reach out, the more options we can help you explore to avoid foreclosure.
Are your counselors certified?
Yes, all of our housing counselors are certified by HUD and trained in foreclosure prevention, pre-purchase education, and financial guidance.
How much does counseling cost?
Our housing counseling services are provided at no cost to you. Workshops may have a small fee depending on certification requirements.
Is counseling available in my language?
Yes! We offer services in English, Spanish, and Portuguese. Let us know your preference when you book.
Can housing counseling help me qualify for a loan or assistance program?
Yes, many down payment assistance programs require or recommend completing a HUD-approved housing counseling session or workshop.
Can you help me avoid eviction?
Yes — most people who qualify for our programs have less-than-perfect credit. In fact, that’s exactly who we’re here to help.
What types of student loan plans do you support?
Your score may dip slightly at first, but most clients see improvement over time as debts are paid down consistently.
What if I’ve never reported identity theft before?
No — part of the program involves closing or suspending active credit cards to focus on paying off your current balances.
Will your services meet court compliance?
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.
How fast can I speak to someone?
Credit cards, personal loans, medical bills, and some types of unsecured debt. Secured debts (like mortgages) are not included.
Is specialty counseling confidential?
Most clients complete the program in 3–5 years, depending on their total debt and monthly budget.
Are these sessions mandatory?
Yes — most people who qualify for our programs have less-than-perfect credit. In fact, that’s exactly who we’re here to help.
How long does each session take?
Your score may dip slightly at first, but most clients see improvement over time as debts are paid down consistently.
Will I receive a certificate?
No — part of the program involves closing or suspending active credit cards to focus on paying off your current balances.
Are these sessions confidential?
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.
Can I do this online or by phone?
Credit cards, personal loans, medical bills, and some types of unsecured debt. Secured debts (like mortgages) are not included.
Is there a cost for these services?
Most clients complete the program in 3–5 years, depending on their total debt and monthly budget.
Take Control of Your Financial Future Today
You don’t have to navigate financial struggles alone. Let APFSC provide the expert counseling and support you need to move toward a debt-free, stable future.