Address
30021 Tomas St Suite 300
Rancho Santa Margarita, CA 92688
Lubbock Texas residents: stop letting debt control your life. APFSC provides expert Debt Consolidation to help you take back control. Our thousands in savings team works directly with your creditors to secure lower rates and create a clear path to financial freedom.
- No-Cost Credit Report Evaluation
- Free Debt Consolidation Consultation
- Tailored Financial Action Plan
APFSC is a U.S. Department of Justice–approved 501(c)(3) nonprofit credit counseling agency. Our Debt Consolidation 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 save money on debt in Texas
APFSC is committed to offering the very best Debt Consolidation program available to residents of Lubbock, Texas. Our thousands in savings team has helped thousands of people across Texas achieve lower interest charges through personalized counseling and financial education. We understand how stressful debt can be — especially when you're unsure where to turn for help in Lubbock. Please contact us so that together, we can find a better way out of debt.
Benefits of Debt Consolidation With APFSC in Lubbock
- Reduce your interest rates, meaning you will pay less each month
- Achieve faster debt payoff without any negative effect on your credit score or payment record
- Eliminate credit card balances faster through a structured Debt Consolidation plan
- Consolidate into one easy payment — no more juggling multiple bills each month
- Improve your money management skills
- Customer Service Hotline to answer your questions
Save Years of Payments
Lower Your Interest Rates
Thousands in Potential Savings
No Negative Impact To Your Credit
Common Questions About save money on debt in Texas
Still have questions about save money on debt in Lubbock? 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! Many Lubbock Texas 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?
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?
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 Lubbock Texas residents. Enrollment fees are minimal — and the savings on interest alone far outweigh the cost.
What kinds of debt are eligible?
Our Debt Consolidation 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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© 2017 – 2025 American Pacific Financial Services Corp (APFSC). All rights reserved. APFSC does not loan money.