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30021 Tomas St Suite 300
Rancho Santa Margarita, CA 92688
Overwhelmed by debt in Ogden, Utah? You don't have to face it alone. APFSC is a DOJ-approved credit counseling agency offering 501(c)(3) nonprofit 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 Consultation
- Custom Repayment Strategy
APFSC is a U.S. Department of Justice–approved 501(c)(3) nonprofit credit counseling agency. Every counseling session is completely free, in full compliance with federal and state regulations.
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 Ogden Utah Residents Trust APFSC
For Ogden Utah residents seeking 501(c)(3) nonprofit, APFSC delivers the highest standard of Credit Counseling. Our credit counseling agency team has helped thousands of people across Utah achieve free financial evaluation through personalized counseling and financial education. We understand the emotional burden that debt can place on a person. Please contact us so that together, we can find a better way out of debt.
Advantages of Our Credit Counseling Program for Ogden Utah Residents
- Lower your rates through our Credit Counseling program, so more of your payment goes toward principal
- Achieve debt-free plan without any negative effect on your credit score or payment record
- free financial evaluation — our program accelerates your path to becoming debt-free
- One monthly payment, with a payment date to match your schedule
- Improve your money management skills
- 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
Common Questions About 501(c)(3) nonprofit in Utah
Still have questions about 501(c)(3) nonprofit in Ogden? 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 — most people who qualify for our programs have less-than-perfect credit. In fact, that’s exactly who we’re here to help.
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 Utah see credit score gains as their balances decrease.
Can I use my credit cards while enrolled?
To maximize your results, active credit cards are suspended while you work through the program. This helps you stay focused on becoming debt-free.
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.
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© 2017 – 2025 American Pacific Financial Services Corp (APFSC). All rights reserved. APFSC does not loan money.