Address
30021 Tomas St Suite 300
Rancho Santa Margarita, CA 92688
Richmond Virginia residents: stop letting debt control your life. APFSC provides expert Rebuild Credit to help you take back control. Our reduce debt team works directly with your creditors to secure lower rates and create a clear path to financial freedom.
- No-Cost Credit Report Evaluation
- Free Rebuild Credit Session
- Tailored Financial Action Plan
APFSC is a U.S. Department of Justice–approved 501(c)(3) nonprofit credit counseling agency. 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 APFSC Is the Right Choice for Financial Counseling in Virginia
For Richmond Virginia residents seeking Financial Counseling, APFSC delivers the highest standard of Rebuild Credit. We have met the highest quality standards and are committed to helping you get your finances back on track through counseling and education. We understand the emotional burden that debt can place on a person. Contact our Richmond Virginia team today — together, we'll find the right path to budgeting help.
Advantages of Our Rebuild Credit Program for Richmond Virginia Residents
- Lower your rates through our Rebuild Credit program, so more of your payment goes toward principal
- Achieve budgeting help 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
- Questions? Our friendly support team is just a phone call away
Pay Off Debt Years Sooner
Lower Your Interest Rates
Thousands in Potential Savings
Protect Your Credit Score
Rebuild Credit FAQ for Richmond Virginia Residents
Still have questions about Financial Counseling in Richmond? 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! Many Richmond Virginia residents who enroll in our program have struggled with their credit. We’re here to help you move forward.
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 Virginia see credit score gains as their balances decrease.
Can I use my credit cards while enrolled?
Not during enrollment — the Rebuild Credit program requires closing or pausing active cards so you can focus entirely on rebuild credit score.
Is there a cost to enroll in a debt relief program?
Your initial Rebuild Credit evaluation is completely free. If you choose to enroll, there’s a modest monthly fee that’s a fraction of the interest you’ll save.
What kinds of debt are eligible?
Our Rebuild Credit 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 clients complete the program in 3–5 years, depending on their total debt and monthly budget.
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