Address
30021 Tomas St Suite 300
Rancho Santa Margarita, CA 92688
Birmingham Alabama 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
- Custom Repayment Strategy
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 nonprofit debt help in Alabama
For Birmingham Alabama residents seeking nonprofit debt help, APFSC delivers the highest standard of Debt Consolidation. 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 Birmingham. Reach out today for a free consultation and let us build a personalized plan for reduce financial stress.
How Debt Consolidation From APFSC Benefits You in Alabama
- Get debt payoff plan — significantly reducing what you pay each month in Birmingham
- 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
- Simplify your finances with a single monthly payment that fits your budget
- Build lasting financial habits with our expert counseling and education resources
- Questions? Our friendly support team is just a phone call away
Shorten Your Debt Timeline
Reduced APR on Your Debt
Thousands in Potential Savings
Protect Your Credit Score
Debt Consolidation FAQ for Birmingham Alabama Residents
Still have questions about nonprofit debt help in Birmingham? 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 — 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?
Your score may dip slightly at first, but most clients see improvement over time as debts are paid down consistently.
Can I use my credit cards while enrolled?
To maximize your results, active credit cards are suspended while you work through the program. This helps you stay focused on becoming debt-free.
Is there a cost to enroll in a debt relief program?
Free consultations for Birmingham Alabama residents. Enrollment fees are minimal — and the savings on interest alone far outweigh the cost.
What kinds of debt are eligible?
Credit cards, personal loans, medical bills, and some types of unsecured debt. Secured debts (like mortgages) are not included.
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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Email Address
© 2017 – 2025 American Pacific Financial Services Corp (APFSC). All rights reserved. APFSC does not loan money.