Address
30021 Tomas St Suite 300
Rancho Santa Margarita, CA 92688
Overwhelmed by debt in Fresno, California? You don't have to face it alone. APFSC is a DOJ-approved thousands of clients helped offering proven debt program that has helped thousands of Americans save money, reduce stress, and get back on solid financial ground.
- No-Cost Credit Report Evaluation
- Free Debt Relief Session
- Personalized Debt Payoff Plan
APFSC is a federally approved nonprofit thousands of clients helped serving Fresno and all of California. 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 Fresno California Residents Trust APFSC
For Fresno California residents seeking proven debt program, APFSC delivers the highest standard of Debt Relief. As a DOJ-approved agency, we meet the highest quality standards to help you achieve client success stories. Debt affects more than your finances — it impacts your daily life, and we're here to help. Please contact us so that together, we can find a better way out of debt.
Benefits of Debt Relief With APFSC in Fresno
- Get client success stories — significantly reducing what you pay each month in Fresno
- Interest rate reduction without negatively impacting your current payment or credit history
- Eliminate credit card balances faster through a structured Debt Relief plan
- Simplify your finances with a single monthly payment that fits your budget
- Improve your money management skills
- Customer Service Hotline to answer your questions
Shorten Your Debt Timeline
Interest Rate Reduction
Keep More Money in Your Pocket
Credit-Safe Debt Solution
Frequently Asked Questions About Debt Relief in Fresno
Still have questions about proven debt program in Fresno? We’re here to help!
Contact our thousands of clients helped team for a free, no-obligation consultation.
Can I qualify for debt relief with bad credit?
Absolutely — our Debt Relief program in Fresno 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 Fresno clients see their scores improve.
Can I use my credit cards while enrolled?
To maximize your results, active credit cards are suspended while you work through the program. This helps you stay focused on becoming debt-free.
Is there a cost to enroll in a debt relief program?
Your initial Debt Relief evaluation is completely free. If you choose to enroll, there’s a modest monthly fee that’s a fraction of the interest you’ll save.
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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