Address
30021 Tomas St Suite 300
Rancho Santa Margarita, CA 92688
New York City New York residents: stop letting debt control your life. APFSC provides expert Lower Rates to help you take back control. Our single payment plan team works directly with your creditors to secure lower rates and create a clear path to financial freedom.
- Complimentary Credit Report Analysis
- Free Lower Rates Consultation
- Custom Repayment Strategy
As a DOJ-approved 501(c)(3) nonprofit, APFSC provides trusted Lower Rates 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 New York City New York Residents Trust APFSC
If you're looking for Debt Management in New York City, APFSC offers a proven Lower Rates program built on trust and results. Our single payment plan team has helped thousands of people across New York achieve lower interest rates through personalized counseling and financial education. Debt affects more than your finances — it impacts your daily life, and we're here to help. Contact our New York City New York team today — together, we'll find the right path to reduce monthly payments.
How Lower Rates From APFSC Benefits You in New York
- Lower your rates through our Lower Rates program, so more of your payment goes toward principal
- Achieve reduce monthly payments without any negative effect on your credit score or payment record
- Eliminate credit card balances faster through a structured Lower Rates plan
- 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
Save Years of Payments
Lower Your Interest Rates
Keep More Money in Your Pocket
Protect Your Credit Score
Lower Rates FAQ for New York City New York Residents
Still have questions about Debt Management in New York City? 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?
Your score may dip slightly at first, but most clients see improvement over time as debts are paid down consistently.
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?
Free consultations for New York City New York 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?
The typical Lower Rates program runs 3 to 5 years, depending on your total debt and what fits your monthly budget.
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