Address
30021 Tomas St Suite 300
Rancho Santa Margarita, CA 92688
Overwhelmed by debt in Irvine, California? You don't have to face it alone. APFSC is a DOJ-approved free financial evaluation offering get out of debt that has helped thousands of Americans save money, reduce stress, and get back on solid financial ground.
- Free Credit Report Review
- Free Financial Counseling Session
- Tailored Financial Action Plan
APFSC is a federally approved nonprofit free financial evaluation serving Irvine and all of California. 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 APFSC Is the Right Choice for get out of debt in California
If you're looking for get out of debt in Irvine, APFSC offers a proven Financial Counseling program built on trust and results. As a DOJ-approved agency, we meet the highest quality standards to help you achieve money management. We understand how stressful debt can be — especially when you're unsure where to turn for help in Irvine. Please contact us so that together, we can find a better way out of debt.
Benefits of Financial Counseling With APFSC in Irvine
- 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
- One monthly payment, with a payment date to match your schedule
- Gain the tools and knowledge to manage your finances confidently going forward
- Customer Service Hotline to answer your questions
Save Years of Payments
Lower Your Interest Rates
Keep More Money in Your Pocket
Credit-Safe Debt Solution
Common Questions About get out of debt in California
Still have questions about get out of debt in Irvine? 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 — 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 California see credit score gains as their balances decrease.
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?
Free consultations for Irvine California residents. Enrollment fees are minimal — and the savings on interest alone far outweigh the cost.
What kinds of debt are eligible?
We help with credit card debt, personal loans, medical bills, and other unsecured obligations. Mortgages and other secured debts are handled separately.
How long does the process take?
Most clients complete the program in 3–5 years, depending on their total debt and monthly budget.
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© 2017 – 2025 American Pacific Financial Services Corp (APFSC). All rights reserved. APFSC does not loan money.