Address
30021 Tomas St Suite 300
Rancho Santa Margarita, CA 92688
Portland Oregon residents: stop letting debt control your life. APFSC provides expert Debt Relief to help you take back control. Our debt-free life 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 Assessment
- Custom Repayment Strategy
As a DOJ-approved 501(c)(3) nonprofit, APFSC provides trusted Debt Relief services. 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 Portland Oregon Residents Trust APFSC
APFSC is committed to offering the very best Debt Relief program available to residents of Portland, Oregon. Our debt-free life team has helped thousands of people across Oregon achieve affordable payments through personalized counseling and financial education. We understand the emotional burden that debt can place on a person. Contact our Portland Oregon team today — together, we'll find the right path to proven debt program.
Benefits of Debt Relief With APFSC in Portland
- Reduce your interest rates, meaning you will pay less each month
- Interest rate reduction without negatively impacting your current payment or credit history
- Pay off your credit card debt much faster
- One monthly payment, with a payment date to match your schedule
- Improve your money management skills
- Questions? Our friendly support team is just a phone call away
Shorten Your Debt Timeline
Interest Rate Reduction
Keep More Money in Your Pocket
Credit-Safe Debt Solution
Common Questions About get out of debt in Oregon
Still have questions about get out of debt in Portland? 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?
Absolutely — our Debt Relief program in Portland 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 Oregon see credit score gains as their balances decrease.
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 affordable payments.
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?
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?
The typical Debt Relief 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.