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30021 Tomas St Suite 300
Rancho Santa Margarita, CA 92688
Overwhelmed by debt in New York City, New York? You don't have to face it alone. APFSC is a DOJ-approved need financial help offering struggling with debt that has helped thousands of Americans save money, reduce stress, and get back on solid financial ground.
- Free Credit Report Review
- Free Debt Help Session
- Custom Repayment Strategy
As a DOJ-approved 501(c)(3) nonprofit, APFSC provides trusted Debt Help 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 New York City New York Residents Trust APFSC
APFSC is committed to offering the very best Debt Help program available to residents of New York City, New York. Our need financial help team has helped thousands of people across New York achieve free debt analysis through personalized counseling and financial education. Debt affects more than your finances — it impacts your daily life, and we're here to help. Contact our New York City New York team today — together, we'll find the right path to talk to a counselor.
How Debt Help From APFSC Benefits You in New York
- Lower your rates through our Debt Help program, so more of your payment goes toward principal
- Our need financial help team negotiates lower rates while keeping your credit history intact
- Pay off your credit card debt much faster
- Simplify your finances with a single monthly payment that fits your budget
- Gain the tools and knowledge to manage your finances confidently going forward
- Questions? Our friendly support team is just a phone call away
Save Years of Payments
Lower Your Interest Rates
Keep More Money in Your Pocket
Credit-Safe Debt Solution
Frequently Asked Questions About Debt Help in New York City
Still have questions about struggling with debt in New York City? 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?
Absolutely — our Debt Help program in New York City is designed specifically for people with imperfect credit. That’s who we serve.
Will a debt relief plan hurt my credit score?
There may be a small initial dip, but as you make consistent payments through our Debt Help program, most New York City clients see their scores improve.
Can I use my credit cards while enrolled?
Not during enrollment — the Debt Help program requires closing or pausing active cards so you can focus entirely on free debt analysis.
Is there a cost to enroll in a debt relief program?
Your initial Debt Help evaluation is completely free. If you choose to enroll, there’s a modest monthly fee that’s a fraction of the interest you’ll save.
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 New York City clients are debt-free within 3–5 years. Your timeline depends on your total balance and the payment plan we build together.
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