Address
30021 Tomas St Suite 300
Rancho Santa Margarita, CA 92688
New Rochelle New York residents: stop letting debt control your life. APFSC provides expert Credit Counseling to help you take back control. Our nonprofit credit counselor team works directly with your creditors to secure lower rates and create a clear path to financial freedom.
- No-Cost Credit Report Evaluation
- Free Credit Counseling Session
- Personalized Debt Payoff Plan
APFSC is a federally approved nonprofit nonprofit credit counselor serving New Rochelle and all of New York. Our Credit Counseling sessions are provided at no cost, meeting all federal and state requirements.
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 free credit counseling in New York
If you're looking for free credit counseling in New Rochelle, APFSC offers a proven Credit Counseling program built on trust and results. 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 New Rochelle. Reach out today for a free consultation and let us build a personalized plan for credit card debt help.
Benefits of Credit Counseling With APFSC in New Rochelle
- Lower your rates through our Credit Counseling program, so more of your payment goes toward principal
- Interest rate reduction without negatively impacting your current payment or credit history
- credit card debt help — our program accelerates your path to becoming debt-free
- One monthly payment, with a payment date to match your schedule
- Improve your money management skills
- Customer Service Hotline to answer your questions
Save Years of Payments
Interest Rate Reduction
Keep More Money in Your Pocket
Credit-Safe Debt Solution
Credit Counseling FAQ for New Rochelle New York Residents
Still have questions about free credit counseling in New Rochelle? 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?
Absolutely — our Credit Counseling program in New Rochelle is designed specifically for people with imperfect credit. That’s who we serve.
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?
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 clients complete the program in 3–5 years, depending on their total debt and monthly budget.
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Email Address
© 2017 – 2025 American Pacific Financial Services Corp (APFSC). All rights reserved. APFSC does not loan money.