Address
30021 Tomas St Suite 300
Rancho Santa Margarita, CA 92688
Overwhelmed by debt in Frisco, Texas? You don't have to face it alone. APFSC is a DOJ-approved credit counseling agency offering 501(c)(3) nonprofit that has helped thousands of Americans save money, reduce stress, and get back on solid financial ground.
- Complimentary Credit Report Analysis
- Free Credit Counseling Consultation
- Custom Repayment Strategy
As a DOJ-approved 501(c)(3) nonprofit, APFSC provides trusted Credit Counseling services. 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 Frisco Texas Residents Trust APFSC
APFSC is committed to offering the very best Credit Counseling program available to residents of Frisco, Texas. As a DOJ-approved agency, we meet the highest quality standards to help you achieve debt-free plan. We understand the emotional burden that debt can place on a person. Contact our Frisco Texas team today — together, we'll find the right path to debt-free plan.
Advantages of Our Credit Counseling Program for Frisco Texas Residents
- Lower your rates through our Credit Counseling program, so more of your payment goes toward principal
- Interest rate reduction without negatively impacting your current payment or credit history
- free financial evaluation — our program accelerates your path to becoming debt-free
- Simplify your finances with a single monthly payment that fits your budget
- Build lasting financial habits with our expert counseling and education resources
- Customer Service Hotline to answer your questions
Save Years of Payments
Lower Your Interest Rates
Keep More Money in Your Pocket
Protect Your Credit Score
Common Questions About 501(c)(3) nonprofit in Texas
Still have questions about 501(c)(3) nonprofit in Frisco? We’re here to help!
Contact our credit counseling agency team for a free, no-obligation consultation.
Can I qualify for debt relief with bad credit?
Absolutely — our Credit Counseling program in Frisco is designed specifically for people with imperfect credit. That’s who we serve.
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 Texas 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 free financial evaluation.
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.