Address
30021 Tomas St Suite 300
Rancho Santa Margarita, CA 92688
Overwhelmed by debt in Silver Spring, Maryland? You don't have to face it alone. APFSC is a DOJ-approved free debt evaluation offering credit counseling near me that has helped thousands of Americans save money, reduce stress, and get back on solid financial ground.
- Free Credit Report Review
- Free Credit Counseling Assessment
- Custom Repayment Strategy
As a DOJ-approved 501(c)(3) nonprofit, APFSC provides trusted Credit Counseling services. 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 Choose APFSC for Credit Counseling in Silver Spring?
If you're looking for credit counseling near me in Silver Spring, APFSC offers a proven Credit Counseling program built on trust and results. Our free debt evaluation team has helped thousands of people across Maryland achieve credit report review through personalized counseling and financial education. 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 Credit Counseling From APFSC Benefits You in Maryland
- Reduce your interest rates, meaning you will pay less each month
- Achieve lower your payments without any negative effect on your credit score or payment record
- Eliminate credit card balances faster through a structured Credit Counseling plan
- One monthly payment, with a payment date to match your schedule
- Build lasting financial habits with our expert counseling and education resources
- Questions? Our friendly support team is just a phone call away
Save Years of Payments
Interest Rate Reduction
Save Thousands Of Dollars
Credit-Safe Debt Solution
Credit Counseling FAQ for Silver Spring Maryland Residents
Still have questions about credit counseling near me in Silver Spring? 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?
Absolutely — our Credit Counseling program in Silver Spring is designed specifically for people with imperfect credit. That’s who we serve.
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 Silver Spring Maryland residents. Enrollment fees are minimal — and the savings on interest alone far outweigh the cost.
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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© 2017 – 2025 American Pacific Financial Services Corp (APFSC). All rights reserved. APFSC does not loan money.