Address
30021 Tomas St Suite 300
Rancho Santa Margarita, CA 92688
Overwhelmed by debt in Arlington, Virginia? You don't have to face it alone. APFSC is a DOJ-approved nonprofit credit counselor offering free credit counseling that has helped thousands of Americans save money, reduce stress, and get back on solid financial ground.
- Complimentary Credit Report Analysis
- Free Credit Counseling Assessment
- Personalized Debt Payoff Plan
APFSC is a federally approved nonprofit nonprofit credit counselor serving Arlington and all of Virginia. 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 Arlington?
For Arlington Virginia residents seeking free credit counseling, APFSC delivers the highest standard of Credit Counseling. As a DOJ-approved agency, we meet the highest quality standards to help you achieve lower interest rates. We understand how stressful debt can be — especially when you're unsure where to turn for help in Arlington. Please contact us so that together, we can find a better way out of debt.
How Credit Counseling From APFSC Benefits You in Virginia
- Reduce your interest rates, meaning you will pay less each month
- Our nonprofit credit counselor 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
- Customer Service Hotline to answer your questions
Pay Off Debt Years Sooner
Reduced APR on Your Debt
Keep More Money in Your Pocket
Credit-Safe Debt Solution
Credit Counseling FAQ for Arlington Virginia Residents
Still have questions about free credit counseling in Arlington? 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 Arlington 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 Credit Counseling program requires closing or pausing active cards so you can focus entirely on credit card debt help.
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?
Most clients complete the program in 3–5 years, depending on their total debt and monthly budget.
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© 2017 – 2025 American Pacific Financial Services Corp (APFSC). All rights reserved. APFSC does not loan money.