Address
30021 Tomas St Suite 300
Rancho Santa Margarita, CA 92688
Richmond Virginia residents: stop letting debt control your life. APFSC provides expert Debt Relief to help you take back control. Our trusted debt agency team works directly with your creditors to secure lower rates and create a clear path to financial freedom.
- Complimentary Credit Report Analysis
- Free Debt Relief Consultation
- Custom Repayment Strategy
As a DOJ-approved 501(c)(3) nonprofit, APFSC provides trusted Debt Relief services. Our Debt Relief 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 Richmond Virginia Residents Trust APFSC
For Richmond Virginia residents seeking DOJ-approved, APFSC delivers the highest standard of Debt Relief. As a DOJ-approved agency, we meet the highest quality standards to help you achieve government-approved program. We understand the emotional burden that debt can place on a person. Contact our Richmond Virginia team today — together, we'll find the right path to government-approved program.
How Debt Relief From APFSC Benefits You in Virginia
- Reduce your interest rates, meaning you will pay less each month
- Achieve government-approved program without any negative effect on your credit score or payment record
- Eliminate credit card balances faster through a structured Debt Relief plan
- Simplify your finances with a single monthly payment that fits your budget
- 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
Debt Relief FAQ for Richmond Virginia Residents
Still have questions about DOJ-approved in Richmond? We’re here to help!
If you need more information or personalized guidance, feel free to reach out.
Can I qualify for debt relief with bad credit?
Yes! Many Richmond Virginia 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?
There may be a small initial dip, but as you make consistent payments through our Debt Relief program, most Richmond clients see their scores improve.
Can I use my credit cards while enrolled?
Not during enrollment — the Debt Relief program requires closing or pausing active cards so you can focus entirely on accredited counselors.
Is there a cost to enroll in a debt relief program?
Free consultations for Richmond Virginia residents. Enrollment fees are minimal — and the savings on interest alone far outweigh the cost.
What kinds of debt are eligible?
Our Debt Relief program covers credit cards, personal loans, medical bills, and most unsecured debts. Secured debts like mortgages are not eligible.
How long does the process take?
Most Richmond clients are debt-free within 3–5 years. Your timeline depends on your total balance and the payment plan we build together.
Phone
Email Address
© 2017 – 2025 American Pacific Financial Services Corp (APFSC). All rights reserved. APFSC does not loan money.