Address
30021 Tomas St Suite 300
Rancho Santa Margarita, CA 92688
Renton Washington residents: stop letting debt control your life. APFSC provides expert Credit Counseling to help you take back control. Our free debt evaluation team works directly with your creditors to secure lower rates and create a clear path to financial freedom.
- Free Credit Report Review
- Free Credit Counseling Consultation
- Custom Repayment Strategy
As a DOJ-approved 501(c)(3) nonprofit, APFSC provides trusted Credit Counseling services. Every counseling session is completely free, in full compliance with federal and state regulations.
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 APFSC Is the Right Choice for credit counseling near me in Washington
APFSC is committed to offering the very best Credit Counseling program available to residents of Renton, Washington. Our free debt evaluation team has helped thousands of people across Washington achieve credit report review through personalized counseling and financial education. We understand the emotional burden that debt can place on a person. Contact our Renton Washington team today — together, we'll find the right path to lower your payments.
How Credit Counseling From APFSC Benefits You in Washington
- Get lower your payments — significantly reducing what you pay each month in Renton
- 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
- One monthly payment, with a payment date to match your schedule
- Improve your money management skills
- Questions? Our friendly support team is just a phone call away
Shorten Your Debt Timeline
Lower Your Interest Rates
Keep More Money in Your Pocket
Protect Your Credit Score
Credit Counseling FAQ for Renton Washington Residents
Still have questions about credit counseling near me in Renton? We’re here to help!
If you need more information or personalized guidance, feel free to reach out.
Can I qualify for debt relief with bad credit?
Yes — most people who qualify for our programs have less-than-perfect credit. In fact, that’s exactly who we’re here to help.
Will a debt relief plan hurt my credit score?
A brief, minor dip is possible, but the long-term trend is positive — most clients in Washington see credit score gains as their balances decrease.
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?
Your initial Credit Counseling 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?
Our Credit Counseling program covers credit cards, personal loans, medical bills, and most unsecured debts. Secured debts like mortgages are not eligible.
How long does the process take?
Most clients complete the program in 3–5 years, depending on their total debt and monthly budget.
Phone
Email Address
© 2017 – 2025 American Pacific Financial Services Corp (APFSC). All rights reserved. APFSC does not loan money.