Address
30021 Tomas St Suite 300
Rancho Santa Margarita, CA 92688
Overwhelmed by debt in Oakland, California? You don't have to face it alone. APFSC is a DOJ-approved post-bankruptcy education offering DOJ-approved bankruptcy that has helped thousands of Americans save money, reduce stress, and get back on solid financial ground.
- Complimentary Credit Report Analysis
- Free Bankruptcy Counseling Consultation
- Personalized Debt Payoff Plan
APFSC is a federally approved nonprofit post-bankruptcy education serving Oakland 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 Oakland California Residents Trust APFSC
For Oakland California residents seeking DOJ-approved bankruptcy, APFSC delivers the highest standard of Bankruptcy Counseling. As a DOJ-approved agency, we meet the highest quality standards to help you achieve bankruptcy alternative. Debt affects more than your finances — it impacts your daily life, and we're here to help. Contact our Oakland California team today — together, we'll find the right path to bankruptcy alternative.
Advantages of Our Bankruptcy Counseling Program for Oakland California Residents
- Lower your rates through our Bankruptcy Counseling program, so more of your payment goes toward principal
- Achieve bankruptcy alternative without any negative effect on your credit score or payment record
- debtor education course — our program accelerates your path to becoming debt-free
- Simplify your finances with a single monthly payment that fits your budget
- Gain the tools and knowledge to manage your finances confidently going forward
- Customer Service Hotline to answer your questions
Pay Off Debt Years Sooner
Lower Your Interest Rates
Keep More Money in Your Pocket
No Negative Impact To Your Credit
Common Questions About DOJ-approved bankruptcy in California
Still have questions about DOJ-approved bankruptcy in Oakland? 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! Many Oakland 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?
There may be a small initial dip, but as you make consistent payments through our Bankruptcy Counseling program, most Oakland clients see their scores improve.
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?
Free consultations for Oakland California residents. Enrollment fees are minimal — and the savings on interest alone far outweigh the cost.
What kinds of debt are eligible?
Our Bankruptcy 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?
The typical Bankruptcy Counseling program runs 3 to 5 years, depending on your total debt and what fits your monthly budget.
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