Address
30021 Tomas St Suite 300
Rancho Santa Margarita, CA 92688
Austin Texas residents: stop letting debt control your life. APFSC provides expert Credit Counseling to help you take back control. Our overwhelmed by bills team works directly with your creditors to secure lower rates and create a clear path to financial freedom.
- Free Credit Report Review
- Free Credit Counseling Assessment
- Tailored Financial Action Plan
As a DOJ-approved 501(c)(3) nonprofit, APFSC provides trusted Credit Counseling services. Our Credit Counseling sessions are provided at no cost, meeting all federal and state requirements.
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 Austin?
If you're looking for struggling with debt in Austin, APFSC offers a proven Credit Counseling program built on trust and results. As a DOJ-approved agency, we meet the highest quality standards to help you achieve fresh financial start. Debt affects more than your finances — it impacts your daily life, and we're here to help. Contact our Austin Texas team today — together, we'll find the right path to fresh financial start.
Advantages of Our Credit Counseling Program for Austin Texas Residents
- Reduce your interest rates, meaning you will pay less each month
- Achieve fresh financial start without any negative effect on your credit score or payment record
- Pay off your credit card debt much faster
- Simplify your finances with a single monthly payment that fits your budget
- Gain the tools and knowledge to manage your finances confidently going forward
- Dedicated support team available to help Austin residents every step of the way
Shorten Your Debt Timeline
Lower Your Interest Rates
Keep More Money in Your Pocket
Protect Your Credit Score
Common Questions About struggling with debt in Texas
Still have questions about struggling with debt in Austin? 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 Credit Counseling program in Austin is designed specifically for people with imperfect credit. That’s who we serve.
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 Austin clients see their scores improve.
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 Austin Texas 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 Credit Counseling program runs 3 to 5 years, depending on your total debt and what fits your monthly budget.
Phone
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