Address
30021 Tomas St Suite 300
Rancho Santa Margarita, CA 92688
Overwhelmed by debt in Louisville, Kentucky? You don't have to face it alone. APFSC is a DOJ-approved debt-free life offering get out of debt 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 Assessment
- Tailored Financial Action Plan
APFSC is a U.S. Department of Justice–approved 501(c)(3) nonprofit credit counseling agency. 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 Louisville Kentucky Residents Trust APFSC
APFSC is committed to offering the very best Debt Relief program available to residents of Louisville, Kentucky. As a DOJ-approved agency, we meet the highest quality standards to help you achieve proven debt program. We understand how stressful debt can be — especially when you're unsure where to turn for help in Louisville. Contact our Louisville Kentucky team today — together, we'll find the right path to proven debt program.
Benefits of Debt Relief With APFSC in Louisville
- Lower your rates through our Debt Relief program, so more of your payment goes toward principal
- Our debt-free life team negotiates lower rates while keeping your credit history intact
- Eliminate credit card balances faster through a structured Debt Relief plan
- Consolidate into one easy payment — no more juggling multiple bills each month
- Improve your money management skills
- Questions? Our friendly support team is just a phone call away
Save Years of Payments
Reduced APR on Your Debt
Thousands in Potential Savings
Credit-Safe Debt Solution
Common Questions About get out of debt in Kentucky
Still have questions about get out of debt in Louisville? 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 Debt Relief program, most Louisville 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?
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 Debt Relief 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.