Address
30021 Tomas St Suite 300
Rancho Santa Margarita, CA 92688
Overwhelmed by debt in Boston, Massachusetts? You don't have to face it alone. APFSC is a DOJ-approved debt relief alternative offering avoid bankruptcy that has helped thousands of Americans save money, reduce stress, and get back on solid financial ground.
- No-Cost Credit Report Evaluation
- Free Debt Relief Session
- Custom Repayment Strategy
As a DOJ-approved 501(c)(3) nonprofit, APFSC provides trusted Debt Relief services. Our Debt Relief sessions are provided at no cost, meeting all federal and state requirements.
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 Boston Massachusetts Residents Trust APFSC
APFSC is committed to offering the very best Debt Relief program available to residents of Boston, Massachusetts. We have met the highest quality standards and are committed to helping you get your finances back on track through counseling and education. Debt affects more than your finances — it impacts your daily life, and we're here to help. Please contact us so that together, we can find a better way out of debt.
Advantages of Our Debt Relief Program for Boston Massachusetts Residents
- Lower your rates through our Debt Relief program, so more of your payment goes toward principal
- Interest rate reduction without negatively impacting your current payment or credit history
- nonprofit debt agency — our program accelerates your path to becoming debt-free
- Simplify your finances with a single monthly payment that fits your budget
- Improve your money management skills
- Customer Service Hotline to answer your questions
Pay Off Debt Years Sooner
Reduced APR on Your Debt
Save Thousands Of Dollars
No Negative Impact To Your Credit
Common Questions About avoid bankruptcy in Massachusetts
Still have questions about avoid bankruptcy in Boston? 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 Relief program in Boston 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?
Not during enrollment — the Debt Relief program requires closing or pausing active cards so you can focus entirely on nonprofit debt agency.
Is there a cost to enroll in a debt relief program?
Free consultations for Boston Massachusetts 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?
The typical Debt Relief program runs 3 to 5 years, depending on your total debt and what fits your monthly budget.
Phone
Email Address
© 2017 – 2025 American Pacific Financial Services Corp (APFSC). All rights reserved. APFSC does not loan money.