Address
30021 Tomas St Suite 300
Rancho Santa Margarita, CA 92688
Overwhelmed by debt in Phoenix, Arizona? You don't have to face it alone. APFSC is a DOJ-approved reduce debt offering Financial Counseling that has helped thousands of Americans save money, reduce stress, and get back on solid financial ground.
- Complimentary Credit Report Analysis
- Free Rebuild Credit Session
- Custom Repayment Strategy
As a DOJ-approved 501(c)(3) nonprofit, APFSC provides trusted Rebuild Credit services. 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 APFSC Is the Right Choice for Financial Counseling in Arizona
If you're looking for Financial Counseling in Phoenix, APFSC offers a proven Rebuild Credit program built on trust and results. Our reduce debt team has helped thousands of people across Arizona achieve rebuild credit score through personalized counseling and financial education. We understand the emotional burden that debt can place on a person. Please contact us so that together, we can find a better way out of debt.
Benefits of Rebuild Credit With APFSC in Phoenix
- Reduce your interest rates, meaning you will pay less each month
- Achieve budgeting help without any negative effect on your credit score or payment record
- rebuild credit score — 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
Shorten Your Debt Timeline
Interest Rate Reduction
Keep More Money in Your Pocket
Credit-Safe Debt Solution
Rebuild Credit FAQ for Phoenix Arizona Residents
Still have questions about Financial Counseling in Phoenix? 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?
A brief, minor dip is possible, but the long-term trend is positive — most clients in Arizona see credit score gains as their balances decrease.
Can I use my credit cards while enrolled?
Not during enrollment — the Rebuild Credit program requires closing or pausing active cards so you can focus entirely on rebuild credit score.
Is there a cost to enroll in a debt relief program?
Your initial Rebuild Credit 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?
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 Rebuild Credit program runs 3 to 5 years, depending on your total debt and what fits your monthly budget.
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