Address
30021 Tomas St Suite 300
Rancho Santa Margarita, CA 92688
Phoenix Arizona residents: stop letting debt control your life. APFSC provides expert Debt Management to help you take back control. Our personal loan payoff team works directly with your creditors to secure lower rates and create a clear path to financial freedom.
- Complimentary Credit Report Analysis
- Free Debt Management Session
- Personalized Debt Payoff Plan
As a DOJ-approved 501(c)(3) nonprofit, APFSC provides trusted Debt Management services. Every counseling session is completely free, in full compliance with federal and state regulations.
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 Phoenix Arizona Residents Trust APFSC
If you're looking for credit card management in Phoenix, APFSC offers a proven Debt Management program built on trust and results. As a DOJ-approved agency, we meet the highest quality standards to help you achieve unsecured debt plan. 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.
Benefits of Debt Management With APFSC in Phoenix
- Lower your rates through our Debt Management program, so more of your payment goes toward principal
- Interest rate reduction without negatively impacting your current payment or credit history
- medical bill management — our program accelerates your path to becoming debt-free
- Simplify your finances with a single monthly payment that fits your budget
- Gain the tools and knowledge to manage your finances confidently going forward
- Dedicated support team available to help Phoenix residents every step of the way
Save Years of Payments
Interest Rate Reduction
Thousands in Potential Savings
Protect Your Credit Score
Debt Management FAQ for Phoenix Arizona Residents
Still have questions about credit card management in Phoenix? 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 Debt Management program in Phoenix is designed specifically for people with imperfect credit. That’s who we serve.
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 Arizona see credit score gains as their balances decrease.
Can I use my credit cards while enrolled?
To maximize your results, active credit cards are suspended while you work through the program. This helps you stay focused on becoming debt-free.
Is there a cost to enroll in a debt relief program?
Free consultations for Phoenix Arizona residents. Enrollment fees are minimal — and the savings on interest alone far outweigh the cost.
What kinds of debt are eligible?
Our Debt Management program covers credit cards, personal loans, medical bills, and most unsecured debts. Secured debts like mortgages are not eligible.
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.