Address
30021 Tomas St Suite 300
Rancho Santa Margarita, CA 92688
Hillsboro Oregon residents: stop letting debt control your life. APFSC provides expert Credit Counseling to help you take back control. Our overwhelmed by bills team works directly with your creditors to secure lower rates and create a clear path to financial freedom.
- Free Credit Report Review
- Free Credit Counseling Assessment
- Custom Repayment Strategy
As a DOJ-approved 501(c)(3) nonprofit, APFSC provides trusted Credit Counseling services. Every counseling session is completely free, in full compliance with federal and state regulations.
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 struggling with debt in Oregon
APFSC is committed to offering the very best Credit Counseling program available to residents of Hillsboro, Oregon. Our overwhelmed by bills team has helped thousands of people across Oregon achieve debt stress relief through personalized counseling and financial education. Debt affects more than your finances — it impacts your daily life, and we're here to help. Please contact us so that together, we can find a better way out of debt.
How Credit Counseling From APFSC Benefits You in Oregon
- Reduce your interest rates, meaning you will pay less each month
- Achieve fresh financial start without any negative effect on your credit score or payment record
- Pay off your credit card debt much faster
- Simplify your finances with a single monthly payment that fits your budget
- Improve your money management skills
- Customer Service Hotline to answer your questions
Pay Off Debt Years Sooner
Interest Rate Reduction
Save Thousands Of Dollars
Credit-Safe Debt Solution
Frequently Asked Questions About Credit Counseling in Hillsboro
Still have questions about struggling with debt in Hillsboro? 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 Oregon see credit score gains as their balances decrease.
Can I use my credit cards while enrolled?
Not during enrollment — the Credit Counseling program requires closing or pausing active cards so you can focus entirely on debt stress relief.
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?
Credit cards, personal loans, medical bills, and some types of unsecured debt. Secured debts (like mortgages) are not included.
How long does the process take?
The typical Credit Counseling program runs 3 to 5 years, depending on your total debt and what fits your monthly budget.
Phone
Email Address
© 2017 – 2025 American Pacific Financial Services Corp (APFSC). All rights reserved. APFSC does not loan money.