Address
30021 Tomas St Suite 300
Rancho Santa Margarita, CA 92688
Looking for get out of debt in Columbia, South Carolina? APFSC is a free financial evaluation 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.
- Complimentary Credit Report Analysis
- Free Financial Counseling Consultation
- Tailored Financial Action Plan
APFSC is a U.S. Department of Justice–approved 501(c)(3) nonprofit credit counseling agency. 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 Columbia South Carolina Residents Trust APFSC
APFSC is committed to offering the very best Financial Counseling program available to residents of Columbia, South Carolina. Our free financial evaluation team has helped thousands of people across South Carolina achieve debt-free plan through personalized counseling and financial education. We understand how stressful debt can be — especially when you're unsure where to turn for help in Columbia. Contact our Columbia South Carolina team today — together, we'll find the right path to money management.
How Financial Counseling From APFSC Benefits You in South Carolina
- Reduce your interest rates, meaning you will pay less each month
- Achieve money management without any negative effect on your credit score or payment record
- debt-free plan — our program accelerates your path to becoming debt-free
- One monthly payment, with a payment date to match your schedule
- Build lasting financial habits with our expert counseling and education resources
- Customer Service Hotline to answer your questions
Pay Off Debt Years Sooner
Lower Your Interest Rates
Keep More Money in Your Pocket
Credit-Safe Debt Solution
Financial Counseling FAQ for Columbia South Carolina Residents
Still have questions about get out of debt in Columbia? 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?
Absolutely — our Financial Counseling program in Columbia 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?
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?
We offer free evaluations. If you enroll, there may be a small monthly service fee — far less than what you’d pay in interest alone.
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?
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.