Address
30021 Tomas St Suite 300
Rancho Santa Margarita, CA 92688
Overwhelmed by debt in Erie, Pennsylvania? You don't have to face it alone. APFSC is a DOJ-approved DOJ-approved agency offering certified counselor that has helped thousands of Americans save money, reduce stress, and get back on solid financial ground.
- No-Cost Credit Report Evaluation
- Free Credit Counseling Assessment
- Tailored Financial Action Plan
APFSC is a federally approved nonprofit DOJ-approved agency serving Erie and all of Pennsylvania. 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 APFSC Is the Right Choice for certified counselor in Pennsylvania
APFSC is committed to offering the very best Credit Counseling program available to residents of Erie, Pennsylvania. As a DOJ-approved agency, we meet the highest quality standards to help you achieve personalized debt plan. We understand how stressful debt can be — especially when you're unsure where to turn for help in Erie. Contact our Erie Pennsylvania team today — together, we'll find the right path to personalized debt plan.
Benefits of Credit Counseling With APFSC in Erie
- Lower your rates through our Credit Counseling program, so more of your payment goes toward principal
- Achieve personalized debt plan 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
- Improve your money management skills
- Dedicated support team available to help Erie residents every step of the way
Pay Off Debt Years Sooner
Reduced APR on Your Debt
Save Thousands Of Dollars
Protect Your Credit Score
Credit Counseling FAQ for Erie Pennsylvania Residents
Still have questions about certified counselor in Erie? 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 Pennsylvania 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 free credit report review.
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 Credit Counseling 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?
Most Erie 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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