Address
30021 Tomas St Suite 300
Rancho Santa Margarita, CA 92688
New York City New York residents: stop letting debt control your life. APFSC provides expert Credit Counseling to help you take back control. Our nonprofit credit counselor 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 Session
- Tailored Financial Action Plan
APFSC is a federally approved nonprofit nonprofit credit counselor serving New York City and all of New York. 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 free credit counseling in New York
If you're looking for free credit counseling in New York City, APFSC offers a proven Credit Counseling program built on trust and results. Our nonprofit credit counselor team has helped thousands of people across New York achieve credit card debt help through personalized counseling and financial education. We understand how stressful debt can be — especially when you're unsure where to turn for help in New York City. Please contact us so that together, we can find a better way out of debt.
How Credit Counseling From APFSC Benefits You in New York
- Reduce your interest rates, meaning you will pay less each month
- Achieve lower interest rates without any negative effect on your credit score or payment record
- Eliminate credit card balances faster through a structured Credit Counseling plan
- Simplify your finances with a single monthly payment that fits your budget
- Build lasting financial habits with our expert counseling and education resources
- Customer Service Hotline to answer your questions
Shorten Your Debt Timeline
Lower Your Interest Rates
Save Thousands Of Dollars
Credit-Safe Debt Solution
Credit Counseling FAQ for New York City New York Residents
Still have questions about free credit counseling in New York City? 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?
Absolutely — our Credit Counseling program in New York City 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 Credit Counseling program, most New York City clients see their scores improve.
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 credit card debt help.
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 New York City 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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