Address
30021 Tomas St Suite 300
Rancho Santa Margarita, CA 92688
Looking for struggling with debt in Ogden, Utah? APFSC is a overwhelmed by bills that helps people just like you save thousands in interest, lower monthly payments, and become debt-free — without negatively impacting your credit score or payment history.
- Complimentary Credit Report Analysis
- Free Credit Counseling Session
- Personalized Debt Payoff Plan
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 struggling with debt, APFSC delivers the highest standard of Credit Counseling. 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. Please contact us so that together, we can find a better way out of debt.
Benefits of Credit Counseling With APFSC in Ogden
- 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
- debt stress relief — our program accelerates your path to becoming debt-free
- Consolidate into one easy payment — no more juggling multiple bills each month
- Gain the tools and knowledge to manage your finances confidently going forward
- Dedicated support team available to help Ogden residents every step of the way
Pay Off Debt Years Sooner
Reduced APR on Your Debt
Save Thousands Of Dollars
Credit-Safe Debt Solution
Credit Counseling FAQ for Ogden Utah Residents
Still have questions about struggling with debt in Ogden? 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?
Absolutely — our Credit Counseling program in Ogden 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 Utah see credit score gains as their balances decrease.
Can I use my credit cards while enrolled?
Not during enrollment — the Credit Counseling program requires closing or pausing active cards so you can focus entirely on debt stress relief.
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?
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 Ogden clients are debt-free within 3–5 years. Your timeline depends on your total balance and the payment plan we build together.
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Email Address
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