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30021 Tomas St Suite 300
Rancho Santa Margarita, CA 92688
Aurora Illinois residents: stop letting debt control your life. APFSC provides expert Debt Relief to help you take back control. Our trusted debt agency 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 Relief Consultation
- Custom Repayment Strategy
APFSC is a federally approved nonprofit trusted debt agency serving Aurora and all of Illinois. Our Debt Relief 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 Aurora Illinois Residents Trust APFSC
For Aurora Illinois residents seeking DOJ-approved, APFSC delivers the highest standard of Debt Relief. We have met the highest quality standards and are committed to helping you get your finances back on track through counseling and education. Debt affects more than your finances — it impacts your daily life, and we're here to help. Contact our Aurora Illinois team today — together, we'll find the right path to government-approved program.
How Debt Relief From APFSC Benefits You in Illinois
- Reduce your interest rates, meaning you will pay less each month
- Achieve government-approved program without any negative effect on your credit score or payment record
- Pay off your credit card debt much faster
- Consolidate into one easy payment — no more juggling multiple bills each month
- Improve your money management skills
- Customer Service Hotline to answer your questions
Pay Off Debt Years Sooner
Reduced APR on Your Debt
Keep More Money in Your Pocket
No Negative Impact To Your Credit
Common Questions About DOJ-approved in Illinois
Still have questions about DOJ-approved in Aurora? We’re here to help!
Contact our trusted debt agency team for a free, no-obligation consultation.
Can I qualify for debt relief with bad credit?
Absolutely — our Debt Relief program in Aurora 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 Debt Relief program, most Aurora clients see their scores improve.
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?
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 clients complete the program in 3–5 years, depending on their total debt and monthly budget.
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