Address
30021 Tomas St Suite 300
Rancho Santa Margarita, CA 92688
Orlando Florida residents: stop letting debt control your life. APFSC provides expert Credit Counseling to help you take back control. Our free debt evaluation team works directly with your creditors to secure lower rates and create a clear path to financial freedom.
- Complimentary Credit Report Analysis
- Free Credit Counseling Consultation
- Tailored Financial Action Plan
APFSC is a federally approved nonprofit free debt evaluation serving Orlando and all of Florida. 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 Choose APFSC for Credit Counseling in Orlando?
If you're looking for credit counseling near me in Orlando, APFSC offers a proven Credit Counseling program built on trust and results. We have met the highest quality standards and are committed to helping you get your finances back on track through counseling and education. Debt affects more than your finances — it impacts your daily life, and we're here to help. Reach out today for a free consultation and let us build a personalized plan for credit report review.
Advantages of Our Credit Counseling Program for Orlando Florida Residents
- Lower your rates through our Credit Counseling program, so more of your payment goes toward principal
- Achieve lower your payments without any negative effect on your credit score or payment record
- Eliminate credit card balances faster through a structured Credit Counseling plan
- One monthly payment, with a payment date to match your schedule
- 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
Interest Rate Reduction
Keep More Money in Your Pocket
No Negative Impact To Your Credit
Common Questions About credit counseling near me in Florida
Still have questions about credit counseling near me in Orlando? 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?
There may be a small initial dip, but as you make consistent payments through our Credit Counseling program, most Orlando 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?
Your initial Credit Counseling 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 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 clients complete the program in 3–5 years, depending on their total debt and monthly budget.
Phone
Email Address
© 2017 – 2025 American Pacific Financial Services Corp (APFSC). All rights reserved. APFSC does not loan money.