Address
30021 Tomas St Suite 300
Rancho Santa Margarita, CA 92688
Seattle Washington residents: stop letting debt control your life. APFSC provides expert Financial Counseling to help you take back control. Our free financial evaluation team works directly with your creditors to secure lower rates and create a clear path to financial freedom.
- Free Credit Report Review
- Free Financial Counseling Consultation
- Personalized Debt Payoff Plan
APFSC is a U.S. Department of Justice–approved 501(c)(3) nonprofit credit counseling agency. Our Financial 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 get out of debt in Washington
APFSC is committed to offering the very best Financial Counseling program available to residents of Seattle, Washington. Our free financial evaluation team has helped thousands of people across Washington achieve debt-free plan through personalized counseling and financial education. We understand the emotional burden that debt can place on a person. Contact our Seattle Washington team today — together, we'll find the right path to money management.
How Financial Counseling From APFSC Benefits You in Washington
- Reduce your interest rates, meaning you will pay less each month
- Our free financial evaluation team negotiates lower rates while keeping your credit history intact
- debt-free plan — our program accelerates your path to becoming debt-free
- Consolidate into one easy payment — no more juggling multiple bills each month
- Gain the tools and knowledge to manage your finances confidently going forward
- Customer Service Hotline to answer your questions
Save Years of Payments
Reduced APR on Your Debt
Thousands in Potential Savings
No Negative Impact To Your Credit
Financial Counseling FAQ for Seattle Washington Residents
Still have questions about get out of debt in Seattle? We’re here to help!
Contact our free financial evaluation team for a free, no-obligation consultation.
Can I qualify for debt relief with bad credit?
Yes! Many Seattle Washington residents who enroll in our program have struggled with their credit. We’re here to help you move forward.
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?
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?
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 Financial Counseling program runs 3 to 5 years, depending on your total debt and what fits your monthly budget.
Phone
Email Address
© 2017 – 2025 American Pacific Financial Services Corp (APFSC). All rights reserved. APFSC does not loan money.