Address
30021 Tomas St Suite 300
Rancho Santa Margarita, CA 92688
Ogden Utah residents: stop letting debt control your life. APFSC provides expert Debt Consolidation to help you take back control. Our no-loan consolidation team works directly with your creditors to secure lower rates and create a clear path to financial freedom.
- No-Cost Credit Report Evaluation
- Free Debt Consolidation Session
- 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 Choose APFSC for Debt Consolidation in Ogden?
If you're looking for nonprofit debt help in Ogden, APFSC offers a proven Debt Consolidation program built on trust and results. As a DOJ-approved agency, we meet the highest quality standards to help you achieve debt payoff plan. We understand how stressful debt can be — especially when you're unsure where to turn for help in Ogden. Contact our Ogden Utah team today — together, we'll find the right path to debt payoff plan.
Benefits of Debt Consolidation With APFSC in Ogden
- Reduce your interest rates, meaning you will pay less each month
- Achieve debt payoff plan without any negative effect on your credit score or payment record
- reduce financial stress — 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
- Dedicated support team available to help Ogden residents every step of the way
Shorten Your Debt Timeline
Lower Your Interest Rates
Save Thousands Of Dollars
Protect Your Credit Score
Debt Consolidation FAQ for Ogden Utah Residents
Still have questions about nonprofit debt help in Ogden? 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?
Absolutely — our Debt Consolidation program in Ogden 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?
No — part of the program involves closing or suspending active credit cards to focus on paying off your current balances.
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 Ogden clients are debt-free within 3–5 years. Your timeline depends on your total balance and the payment plan we build together.
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© 2017 – 2025 American Pacific Financial Services Corp (APFSC). All rights reserved. APFSC does not loan money.