Address
30021 Tomas St Suite 300
Rancho Santa Margarita, CA 92688
New Haven Connecticut 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.
- No-Cost Credit Report Evaluation
- Free Debt Consolidation Session
- Personalized Debt Payoff Plan
APFSC is a federally approved nonprofit no-loan consolidation serving New Haven and all of Connecticut. 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 APFSC Is the Right Choice for nonprofit debt help in Connecticut
For New Haven Connecticut residents seeking nonprofit debt help, APFSC delivers the highest standard of Debt Consolidation. 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. Reach out today for a free consultation and let us build a personalized plan for reduce financial stress.
Benefits of Debt Consolidation With APFSC in New Haven
- Lower your rates through our Debt Consolidation program, so more of your payment goes toward principal
- Our no-loan consolidation team negotiates lower rates while keeping your credit history intact
- Pay off your credit card debt much faster
- Consolidate into one easy payment — no more juggling multiple bills each month
- Improve your money management skills
- Customer Service Hotline to answer your questions
Pay Off Debt Years Sooner
Lower Your Interest Rates
Thousands in Potential Savings
Credit-Safe Debt Solution
Debt Consolidation FAQ for New Haven Connecticut Residents
Still have questions about nonprofit debt help in New Haven? 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 Debt Consolidation program, most New Haven 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 Debt Consolidation 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 Debt Consolidation 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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© 2017 – 2025 American Pacific Financial Services Corp (APFSC). All rights reserved. APFSC does not loan money.