APFSC is a nonprofit credit & housing counseling agency helping families lower debt, protect credit, and stop collection calls. Free & confidential sessions.
Results vary; eligibility and savings depend on your creditors and financial situation. We are a nonprofit; we do not sell or rent your data.
Our certified counselors help you build a personalized plan to lower payments, protect your credit, and get out of debt faster.
Meet with a certified counselor to review your budget, debts, and goals.
We work with creditors to reduce interest and consolidate into one monthly payment.
Stay on track with a plan designed to rebuild your credit and end collection calls.
Reduce what you owe into one manageable monthly plan.
Nonprofit counseling helps stabilize and may improve your score over time.
We engage creditors so you can focus on getting ahead.
501(c)(3) organization with certified credit & housing counselors.
“APFSC helped me cut my payments nearly in half. I finally sleep at night.”
— Maria G., Anaheim, CA
“They worked with my mortgage company and stopped foreclosure. Truly a lifesaver.”
— John S., Veteran
Will this hurt my credit?
APFSC is a nonprofit counseling agency. Our programs are designed to help you repay debt more predictably; many clients see credit improve over time. Individual results vary.
How much can I save?
Savings depend on your debt amount, creditors, and approved terms. Many clients reduce their overall cost substantially by lowering interest and consolidating payments.
How much can I save?
Yes. Your first counseling session is free and confidential. There’s no obligation to enroll.
American Pacific Financial Services Corp. (APFSC) is a 501(c)(3) nonprofit credit & housing counseling agency. © 2025 APFSC. All rights reserved. Privacy • State Licenses & Disclosures