Address
30021 Tomas St Suite 300
Rancho Santa Margarita, CA 92688
Roswell Georgia residents: stop letting debt control your life. APFSC provides expert Debt Consolidation to help you take back control. Our no-loan consolidation team works directly with your creditors to secure lower rates and create a clear path to financial freedom.
- Complimentary Credit Report Analysis
- Free Debt Consolidation Assessment
- Personalized Debt Payoff Plan
APFSC is a federally approved nonprofit no-loan consolidation serving Roswell and all of Georgia. 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 Roswell Georgia Residents Trust APFSC
If you're looking for nonprofit debt help in Roswell, APFSC offers a proven Debt Consolidation program built on trust and results. As a DOJ-approved agency, we meet the highest quality standards to help you achieve debt payoff plan. We understand how stressful debt can be — especially when you're unsure where to turn for help in Roswell. Please contact us so that together, we can find a better way out of debt.
Benefits of Debt Consolidation With APFSC in Roswell
- Lower your rates through our Debt Consolidation program, so more of your payment goes toward principal
- Achieve debt payoff plan without any negative effect on your credit score or payment record
- reduce financial stress — our program accelerates your path to becoming debt-free
- Consolidate into one easy payment — no more juggling multiple bills each month
- Build lasting financial habits with our expert counseling and education resources
- Customer Service Hotline to answer your questions
Shorten Your Debt Timeline
Reduced APR on Your Debt
Thousands in Potential Savings
Protect Your Credit Score
Debt Consolidation FAQ for Roswell Georgia Residents
Still have questions about nonprofit debt help in Roswell? 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 Debt Consolidation program in Roswell 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 Debt Consolidation program, most Roswell 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?
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 Roswell 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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© 2017 – 2025 American Pacific Financial Services Corp (APFSC). All rights reserved. APFSC does not loan money.