Address
30021 Tomas St Suite 300
Rancho Santa Margarita, CA 92688
Akron Ohio residents: stop letting debt control your life. APFSC provides expert Credit Counseling to help you take back control. Our credit counseling agency team works directly with your creditors to secure lower rates and create a clear path to financial freedom.
- Complimentary Credit Report Analysis
- Free Credit Counseling Assessment
- Custom Repayment Strategy
APFSC is a U.S. Department of Justice–approved 501(c)(3) nonprofit credit counseling agency. 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 APFSC Is the Right Choice for 501(c)(3) nonprofit in Ohio
For Akron Ohio residents seeking 501(c)(3) nonprofit, APFSC delivers the highest standard of Credit Counseling. Our credit counseling agency team has helped thousands of people across Ohio achieve free financial evaluation through personalized counseling and financial education. We understand how stressful debt can be — especially when you're unsure where to turn for help in Akron. Reach out today for a free consultation and let us build a personalized plan for free financial evaluation.
How Credit Counseling From APFSC Benefits You in Ohio
- Lower your rates through our Credit Counseling program, so more of your payment goes toward principal
- Our credit counseling agency team negotiates lower rates while keeping your credit history intact
- Eliminate credit card balances faster through a structured Credit Counseling plan
- Simplify your finances with a single monthly payment that fits your budget
- Build lasting financial habits with our expert counseling and education resources
- Dedicated support team available to help Akron residents every step of the way
Shorten Your Debt Timeline
Lower Your Interest Rates
Save Thousands Of Dollars
Credit-Safe Debt Solution
Common Questions About 501(c)(3) nonprofit in Ohio
Still have questions about 501(c)(3) nonprofit in Akron? 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 — 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?
A brief, minor dip is possible, but the long-term trend is positive — most clients in Ohio 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?
Free consultations for Akron Ohio residents. Enrollment fees are minimal — and the savings on interest alone far outweigh the cost.
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.