Address
30021 Tomas St Suite 300
Rancho Santa Margarita, CA 92688
Overwhelmed by debt in Renton, Washington? You don't have to face it alone. APFSC is a DOJ-approved free debt evaluation offering credit counseling near me 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
- Tailored Financial Action Plan
APFSC is a federally approved nonprofit free debt evaluation serving Renton and all of Washington. 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 Renton?
If you're looking for credit counseling near me in Renton, APFSC offers a proven Credit Counseling program built on trust and results. As a DOJ-approved agency, we meet the highest quality standards to help you achieve lower your payments. We understand the emotional burden that debt can place on a person. Reach out today for a free consultation and let us build a personalized plan for credit report review.
Advantages of Our Credit Counseling Program for Renton Washington Residents
- Reduce your interest rates, meaning you will pay less each month
- Our free debt evaluation team negotiates lower rates while keeping your credit history intact
- credit report review — our program accelerates your path to becoming debt-free
- Simplify your finances with a single monthly payment that fits your budget
- Gain the tools and knowledge to manage your finances confidently going forward
- Customer Service Hotline to answer your questions
Save Years of Payments
Reduced APR on Your Debt
Keep More Money in Your Pocket
Protect Your Credit Score
Frequently Asked Questions About Credit Counseling in Renton
Still have questions about credit counseling near me in Renton? We’re here to help!
Contact our free debt evaluation team for a free, no-obligation consultation.
Can I qualify for debt relief with bad credit?
Absolutely — our Credit Counseling program in Renton is designed specifically for people with imperfect credit. That’s who we serve.
Will a debt relief plan hurt my credit score?
There may be a small initial dip, but as you make consistent payments through our Credit Counseling program, most Renton clients see their scores improve.
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 credit report review.
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?
We help with credit card debt, personal loans, medical bills, and other unsecured obligations. Mortgages and other secured debts are handled separately.
How long does the process take?
Most Renton clients are debt-free within 3–5 years. Your timeline depends on your total balance and the payment plan we build together.
Phone
Email Address
© 2017 – 2025 American Pacific Financial Services Corp (APFSC). All rights reserved. APFSC does not loan money.