Address
30021 Tomas St Suite 300
Rancho Santa Margarita, CA 92688
Corpus Christi Texas residents: stop letting debt control your life. APFSC provides expert Credit Counseling to help you take back control. Our overwhelmed by bills team works directly with your creditors to secure lower rates and create a clear path to financial freedom.
- Free Credit Report Review
- Free Credit Counseling Assessment
- Tailored Financial Action 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 Credit Counseling in Corpus Christi?
APFSC is committed to offering the very best Credit Counseling program available to residents of Corpus Christi, Texas. As a DOJ-approved agency, we meet the highest quality standards to help you achieve fresh financial start. We understand how stressful debt can be — especially when you're unsure where to turn for help in Corpus Christi. Reach out today for a free consultation and let us build a personalized plan for debt stress relief.
Advantages of Our Credit Counseling Program for Corpus Christi Texas Residents
- Get fresh financial start — significantly reducing what you pay each month in Corpus Christi
- Our overwhelmed by bills team negotiates lower rates while keeping your credit history intact
- Eliminate credit card balances faster through a structured Credit Counseling plan
- Consolidate into one easy payment — no more juggling multiple bills each month
- Gain the tools and knowledge to manage your finances confidently going forward
- Dedicated support team available to help Corpus Christi residents every step of the way
Shorten Your Debt Timeline
Lower Your Interest Rates
Save Thousands Of Dollars
Protect Your Credit Score
Frequently Asked Questions About Credit Counseling in Corpus Christi
Still have questions about struggling with debt in Corpus Christi? 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?
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?
There may be a small initial dip, but as you make consistent payments through our Credit Counseling program, most Corpus Christi clients see their scores improve.
Can I use my credit cards while enrolled?
Not during enrollment — the Credit Counseling program requires closing or pausing active cards so you can focus entirely on debt stress relief.
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?
Our Credit Counseling 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.
Phone
Email Address
© 2017 – 2025 American Pacific Financial Services Corp (APFSC). All rights reserved. APFSC does not loan money.