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    What Do You Need Help With?

    Select a category below to get the most accurate support and answers from a certified counselor.

    Credit Counseling

    A Trusted First Step Toward Financial Stability

    DMP Changes & Updates

    Deposit or account changes for active plans.

    Debt Repayment Assistance

    Learn about APFSC’s nonprofit budget and repayment services.

    Housing Counseling

    Questions about rental, pre-purchase, or foreclosure prevention.

    Disaster Recovery Services

    Help for survivors affected by emergencies.

    Bankruptcy Counseling

    Guidance on pre-filing and post-discharge requirements.

    Financial Education Courses

    Webinars, workshops, and learning tools.

    Financial Wellness for Employers

    Financial tools for employees or partner organizations.

    B2B & Partnerships

    Contact us for nonprofit partnerships and outreach.

    New Debt Management Plan

    No first deposit yet? Submit DMP questions here.

    Specialty Counseling

    Personalized Support for Life’s Unique Challenges

    Frequently Asked Questions

    Are these sessions mandatory?

    Yes — most people who qualify for our programs have less-than-perfect credit. In fact, that’s exactly who we’re here to help.

    How long does each session take?

    Your score may dip slightly at first, but most clients see improvement over time as debts are paid down consistently.

    Will I receive a certificate?

    No — part of the program involves closing or suspending active credit cards to focus on paying off your current balances.

    Are these sessions confidential?

    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.

    Can I do this online or by phone?

    Credit cards, personal loans, medical bills, and some types of unsecured debt. Secured debts (like mortgages) are not included.

    Is there a cost for these services?

    Most clients complete the program in 3–5 years, depending on their total debt and monthly budget.

    Prefer to Talk One-on-One?

    You can schedule a free, private appointment with a certified counselor.

    Online Enrollment Counselor Meeting Request

    © 2017 – 2025 American Pacific Financial Services Corp (APFSC). All rights reserved. APFSC does not loan money.

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