Address
30021 Tomas St Suite 300
Rancho Santa Margarita, CA 92688
Overwhelmed by debt in Lafayette, Louisiana? You don't have to face it alone. APFSC is a DOJ-approved need debt help offering overwhelmed by debt that has helped thousands of Americans save money, reduce stress, and get back on solid financial ground.
- No-Cost Credit Report Evaluation
- Free Debt Relief Assessment
- Tailored Financial Action Plan
APFSC is a U.S. Department of Justice–approved 501(c)(3) nonprofit credit counseling agency. 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 Lafayette Louisiana Residents Trust APFSC
If you're looking for overwhelmed by debt in Lafayette, APFSC offers a proven Debt Relief 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. We understand how stressful debt can be — especially when you're unsure where to turn for help in Lafayette. Please contact us so that together, we can find a better way out of debt.
How Debt Relief From APFSC Benefits You in Louisiana
- Reduce your interest rates, meaning you will pay less each month
- Interest rate reduction without negatively impacting your current payment or credit history
- stop financial stress — our program accelerates your path to becoming debt-free
- 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
Save Years of Payments
Lower Your Interest Rates
Save Thousands Of Dollars
Protect Your Credit Score
Frequently Asked Questions About Debt Relief in Lafayette
Still have questions about overwhelmed by debt in Lafayette? 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?
Not during enrollment — the Debt Relief program requires closing or pausing active cards so you can focus entirely on stop financial stress.
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?
We help with credit card debt, personal loans, medical bills, and other unsecured obligations. Mortgages and other secured debts are handled separately.
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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