Address
30021 Tomas St Suite 300
Rancho Santa Margarita, CA 92688
Looking for 501(c)(3) nonprofit in Bismarck, North Dakota? APFSC is a credit counseling agency that helps people just like you save thousands in interest, lower monthly payments, and become debt-free — without negatively impacting your credit score or payment history.
- Free Credit Report Review
- Free Credit Counseling Session
- Tailored Financial Action Plan
APFSC is a federally approved nonprofit credit counseling agency serving Bismarck and all of North Dakota. 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 Bismarck North Dakota Residents Trust APFSC
If you're looking for 501(c)(3) nonprofit in Bismarck, APFSC offers a proven Credit Counseling program built on trust and results. Our credit counseling agency team has helped thousands of people across North Dakota achieve free financial evaluation through personalized counseling and financial education. We understand the emotional burden that debt can place on a person. Reach out today for a free consultation and let us build a personalized plan for free financial evaluation.
Benefits of Credit Counseling With APFSC in Bismarck
- Get debt-free plan — significantly reducing what you pay each month in Bismarck
- Achieve debt-free plan 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
- Gain the tools and knowledge to manage your finances confidently going forward
- Questions? Our friendly support team is just a phone call away
Shorten Your Debt Timeline
Reduced APR on Your Debt
Thousands in Potential Savings
Credit-Safe Debt Solution
Credit Counseling FAQ for Bismarck North Dakota Residents
Still have questions about 501(c)(3) nonprofit in Bismarck? We’re here to help!
Contact our credit counseling agency team for a free, no-obligation consultation.
Can I qualify for debt relief with bad credit?
Absolutely — our Credit Counseling program in Bismarck 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 Bismarck 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?
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?
The typical Credit Counseling program runs 3 to 5 years, depending on your total debt and what fits your monthly budget.
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© 2017 – 2025 American Pacific Financial Services Corp (APFSC). All rights reserved. APFSC does not loan money.