Address
30021 Tomas St Suite 300
Rancho Santa Margarita, CA 92688
Overwhelmed by debt in Seattle, Washington? You don't have to face it alone. APFSC is a DOJ-approved DOJ-approved agency offering certified counselor that has helped thousands of Americans save money, reduce stress, and get back on solid financial ground.
- No-Cost Credit Report Evaluation
- Free Credit Counseling Session
- Tailored Financial Action Plan
As a DOJ-approved 501(c)(3) nonprofit, APFSC provides trusted Credit Counseling 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 Choose APFSC for Credit Counseling in Seattle?
For Seattle Washington residents seeking certified counselor, APFSC delivers the highest standard of Credit Counseling. As a DOJ-approved agency, we meet the highest quality standards to help you achieve personalized debt plan. We understand the emotional burden that debt can place on a person. Reach out today for a free consultation and let us build a personalized plan for free credit report review.
Advantages of Our Credit Counseling Program for Seattle Washington Residents
- Lower your rates through our Credit Counseling program, so more of your payment goes toward principal
- Achieve personalized debt plan without any negative effect on your credit score or payment record
- Eliminate credit card balances faster through a structured Credit Counseling plan
- Simplify your finances with a single monthly payment that fits your budget
- Build lasting financial habits with our expert counseling and education resources
- Questions? Our friendly support team is just a phone call away
Pay Off Debt Years Sooner
Reduced APR on Your Debt
Thousands in Potential Savings
Credit-Safe Debt Solution
Credit Counseling FAQ for Seattle Washington Residents
Still have questions about certified counselor in Seattle? 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! 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?
There may be a small initial dip, but as you make consistent payments through our Credit Counseling program, most Seattle clients see their scores improve.
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 free credit report review.
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?
Our Credit Counseling 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?
The typical Credit 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.