Address
30021 Tomas St Suite 300
Rancho Santa Margarita, CA 92688
Lakewood Colorado residents: stop letting debt control your life. APFSC provides expert Credit Counseling to help you take back control. Our credit counseling agency 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. Our Credit Counseling 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 Choose APFSC for Credit Counseling in Lakewood?
For Lakewood Colorado residents seeking 501(c)(3) nonprofit, APFSC delivers the highest standard of Credit Counseling. Our credit counseling agency team has helped thousands of people across Colorado achieve free financial evaluation through personalized counseling and financial education. Debt affects more than your finances — it impacts your daily life, and we're here to help. Reach out today for a free consultation and let us build a personalized plan for free financial evaluation.
How Credit Counseling From APFSC Benefits You in Colorado
- Lower your rates through our Credit Counseling program, so more of your payment goes toward principal
- Interest rate reduction without negatively impacting your current payment or credit history
- free financial evaluation — 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
- Customer Service Hotline to answer your questions
Pay Off Debt Years Sooner
Interest Rate Reduction
Save Thousands Of Dollars
Protect Your Credit Score
Frequently Asked Questions About Credit Counseling in Lakewood
Still have questions about 501(c)(3) nonprofit in Lakewood? We’re here to help!
Contact our credit counseling agency team for a free, no-obligation consultation.
Can I qualify for debt relief with bad credit?
Absolutely — our Credit Counseling program in Lakewood 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 Credit Counseling program, most Lakewood clients see their scores improve.
Can I use my credit cards while enrolled?
No — part of the program involves closing or suspending active credit cards to focus on paying off your current balances.
Is there a cost to enroll in a debt relief program?
Your initial Credit Counseling 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?
We help with credit card debt, personal loans, medical bills, and other unsecured obligations. Mortgages and other secured debts are handled separately.
How long does the process take?
Most Lakewood 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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© 2017 – 2025 American Pacific Financial Services Corp (APFSC). All rights reserved. APFSC does not loan money.