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30021 Tomas St Suite 300
Rancho Santa Margarita, CA 92688
Overwhelmed by debt in Fort Worth, Texas? You don't have to face it alone. APFSC is a DOJ-approved nonprofit credit counselor offering free credit counseling that has helped thousands of Americans save money, reduce stress, and get back on solid financial ground.
- Complimentary Credit Report Analysis
- Free Credit Counseling Session
- Custom Repayment Strategy
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 Fort Worth Texas Residents Trust APFSC
APFSC is committed to offering the very best Credit Counseling program available to residents of Fort Worth, Texas. As a DOJ-approved agency, we meet the highest quality standards to help you achieve lower interest rates. 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 card debt help.
How Credit Counseling From APFSC Benefits You in Texas
- Lower your rates through our Credit Counseling program, so more of your payment goes toward principal
- Achieve lower interest rates without any negative effect on your credit score or payment record
- Pay off your credit card debt much faster
- Simplify your finances with a single monthly payment that fits your budget
- Improve your money management skills
- Dedicated support team available to help Fort Worth residents every step of the way
Shorten Your Debt Timeline
Lower Your Interest Rates
Thousands in Potential Savings
Credit-Safe Debt Solution
Common Questions About free credit counseling in Texas
Still have questions about free credit counseling in Fort Worth? 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?
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 Fort Worth 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 Fort Worth 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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© 2017 – 2025 American Pacific Financial Services Corp (APFSC). All rights reserved. APFSC does not loan money.