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30021 Tomas St Suite 300
Rancho Santa Margarita, CA 92688
Looking for 501(c)(3) nonprofit in Reading, Pennsylvania? APFSC is a credit counseling agency that helps people just like you save thousands in interest, lower monthly payments, and become debt-free — without negatively impacting your credit score or payment history.
- Free Credit Report Review
- Free Credit Counseling Session
- Personalized Debt Payoff 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 Reading Pennsylvania Residents Trust APFSC
APFSC is committed to offering the very best Credit Counseling program available to residents of Reading, Pennsylvania. We have met the highest quality standards and are committed to helping you get your finances back on track through counseling and education. We understand how stressful debt can be — especially when you're unsure where to turn for help in Reading. Please contact us so that together, we can find a better way out of debt.
How Credit Counseling From APFSC Benefits You in Pennsylvania
- Reduce your interest rates, meaning you will pay less each month
- Our credit counseling agency team negotiates lower rates while keeping your credit history intact
- Eliminate credit card balances faster through a structured Credit Counseling plan
- One monthly payment, with a payment date to match your schedule
- Build lasting financial habits with our expert counseling and education resources
- Questions? Our friendly support team is just a phone call away
Shorten Your Debt Timeline
Reduced APR on Your Debt
Thousands in Potential Savings
Protect Your Credit Score
Frequently Asked Questions About Credit Counseling in Reading
Still have questions about 501(c)(3) nonprofit in Reading? 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 Credit Counseling program in Reading 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 Reading 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 free financial evaluation.
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?
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?
The typical Credit Counseling program runs 3 to 5 years, depending on your total debt and what fits your monthly budget.
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© 2017 – 2025 American Pacific Financial Services Corp (APFSC). All rights reserved. APFSC does not loan money.