Address
30021 Tomas St Suite 300
Rancho Santa Margarita, CA 92688
Overwhelmed by debt in Irving, Texas? You don't have to face it alone. APFSC is a DOJ-approved one monthly payment offering consolidate debt that has helped thousands of Americans save money, reduce stress, and get back on solid financial ground.
- No-Cost Credit Report Evaluation
- Free Debt Consolidation Consultation
- Personalized Debt Payoff Plan
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.
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 Consolidation in Irving?
If you're looking for consolidate debt in Irving, APFSC offers a proven Debt Consolidation program built on trust and results. As a DOJ-approved agency, we meet the highest quality standards to help you achieve credit card consolidation. We understand the emotional burden that debt can place on a person. Reach out today for a free consultation and let us build a personalized plan for lower interest rates.
Advantages of Our Debt Consolidation Program for Irving Texas Residents
- Get credit card consolidation — significantly reducing what you pay each month in Irving
- Our one monthly payment team negotiates lower rates while keeping your credit history intact
- Eliminate credit card balances faster through a structured Debt Consolidation plan
- Consolidate into one easy payment — no more juggling multiple bills each month
- Improve your money management skills
- Customer Service Hotline to answer your questions
Save Years of Payments
Reduced APR on Your Debt
Thousands in Potential Savings
Protect Your Credit Score
Frequently Asked Questions About Debt Consolidation in Irving
Still have questions about consolidate debt in Irving? 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 — 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?
Not during enrollment — the Debt Consolidation program requires closing or pausing active cards so you can focus entirely on lower interest rates.
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?
The typical Debt Consolidation program runs 3 to 5 years, depending on your total debt and what fits your monthly budget.
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