Address
30021 Tomas St Suite 300
Rancho Santa Margarita, CA 92688
Overwhelmed by debt in Garden Grove, California? 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
- Personalized Debt Payoff Plan
APFSC is a federally approved nonprofit nonprofit credit counselor serving Garden Grove and all of California. 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 Garden Grove California Residents Trust APFSC
APFSC is committed to offering the very best Credit Counseling program available to residents of Garden Grove, California. As a DOJ-approved agency, we meet the highest quality standards to help you achieve lower interest rates. We understand how stressful debt can be — especially when you're unsure where to turn for help in Garden Grove. Please contact us so that together, we can find a better way out of debt.
Advantages of Our Credit Counseling Program for Garden Grove California Residents
- Get lower interest rates — significantly reducing what you pay each month in Garden Grove
- Our nonprofit credit counselor 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
- Build lasting financial habits with our expert counseling and education resources
- Questions? Our friendly support team is just a phone call away
Shorten Your Debt Timeline
Interest Rate Reduction
Save Thousands Of Dollars
No Negative Impact To Your Credit
Credit Counseling FAQ for Garden Grove California Residents
Still have questions about free credit counseling in Garden Grove? We’re here to help!
Contact our nonprofit credit counselor team for a free, no-obligation consultation.
Can I qualify for debt relief with bad credit?
Yes! Many Garden Grove California residents who enroll in our program have struggled with their credit. We’re here to help you move forward.
Will a debt relief plan hurt my credit score?
A brief, minor dip is possible, but the long-term trend is positive — most clients in California see credit score gains as their balances decrease.
Can I use my credit cards while enrolled?
To maximize your results, active credit cards are suspended while you work through the program. This helps you stay focused on becoming debt-free.
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?
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.
Phone
Email Address
© 2017 – 2025 American Pacific Financial Services Corp (APFSC). All rights reserved. APFSC does not loan money.