Address
30021 Tomas St Suite 300
Rancho Santa Margarita, CA 92688
Looking for struggling with debt in San Antonio, Texas? APFSC is a overwhelmed by bills that helps people just like you save thousands in interest, lower monthly payments, and become debt-free — without negatively impacting your credit score or payment history.
- Free Credit Report Review
- Free Credit Counseling Assessment
- Tailored Financial Action Plan
APFSC is a federally approved nonprofit overwhelmed by bills serving San Antonio and all of Texas. 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 Choose APFSC for Credit Counseling in San Antonio?
APFSC is committed to offering the very best Credit Counseling program available to residents of San Antonio, Texas. We have met the highest quality standards and are committed to helping you get your finances back on track through counseling and education. We understand how stressful debt can be — especially when you're unsure where to turn for help in San Antonio. Please contact us so that together, we can find a better way out of debt.
How Credit Counseling From APFSC Benefits You in Texas
- Lower your rates through our Credit Counseling program, so more of your payment goes toward principal
- Achieve fresh financial start without any negative effect on your credit score or payment record
- Pay off your credit card debt much faster
- Consolidate into one easy payment — no more juggling multiple bills each month
- Gain the tools and knowledge to manage your finances confidently going forward
- Questions? Our friendly support team is just a phone call away
Pay Off Debt Years Sooner
Interest Rate Reduction
Save Thousands Of Dollars
No Negative Impact To Your Credit
Frequently Asked Questions About Credit Counseling in San Antonio
Still have questions about struggling with debt in San Antonio? We’re here to help!
Contact our overwhelmed by bills team for a free, no-obligation consultation.
Can I qualify for debt relief with bad credit?
Absolutely — our Credit Counseling program in San Antonio 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?
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?
Free consultations for San Antonio Texas 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?
The typical Credit Counseling program runs 3 to 5 years, depending on your total debt and what fits your monthly budget.
Phone
Email Address
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