Address
30021 Tomas St Suite 300
Rancho Santa Margarita, CA 92688
Atlanta Georgia residents: stop letting debt control your life. APFSC provides expert Credit Counseling to help you take back control. Our debt management advice team works directly with your creditors to secure lower rates and create a clear path to financial freedom.
- Complimentary Credit Report Analysis
- Free Credit Counseling Session
- 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 APFSC Is the Right Choice for certified credit counselor in Georgia
If you're looking for certified credit counselor in Atlanta, APFSC offers a proven Credit Counseling program built on trust and results. Our debt management advice team has helped thousands of people across Georgia achieve reduce monthly payments through personalized counseling and financial education. We understand the emotional burden that debt can place on a person. Contact our Atlanta Georgia team today — together, we'll find the right path to financial guidance.
How Credit Counseling From APFSC Benefits You in Georgia
- Lower your rates through our Credit Counseling program, so more of your payment goes toward principal
- Our debt management advice team negotiates lower rates while keeping your credit history intact
- Pay off your credit card debt much faster
- 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
Interest Rate Reduction
Thousands in Potential Savings
Credit-Safe Debt Solution
Common Questions About certified credit counselor in Georgia
Still have questions about certified credit counselor in Atlanta? We’re here to help!
Contact our debt management advice team for a free, no-obligation consultation.
Can I qualify for debt relief with bad credit?
Absolutely — our Credit Counseling program in Atlanta is designed specifically for people with imperfect credit. That’s who we serve.
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 Georgia see credit score gains as their balances decrease.
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 reduce monthly payments.
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?
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 Credit Counseling program runs 3 to 5 years, depending on your total debt and what fits your monthly budget.
Phone
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