Address
30021 Tomas St Suite 300
Rancho Santa Margarita, CA 92688
Greensboro North Carolina residents: stop letting debt control your life. APFSC provides expert Bankruptcy Counseling to help you take back control. Our post-bankruptcy education team works directly with your creditors to secure lower rates and create a clear path to financial freedom.
- No-Cost Credit Report Evaluation
- Free Bankruptcy Counseling Consultation
- Custom Repayment Strategy
APFSC is a U.S. Department of Justice–approved 501(c)(3) nonprofit credit counseling agency. Our Bankruptcy 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 APFSC Is the Right Choice for DOJ-approved bankruptcy in North Carolina
APFSC is committed to offering the very best Bankruptcy Counseling program available to residents of Greensboro, North Carolina. As a DOJ-approved agency, we meet the highest quality standards to help you achieve bankruptcy alternative. We understand the emotional burden that debt can place on a person. Contact our Greensboro North Carolina team today — together, we'll find the right path to bankruptcy alternative.
Benefits of Bankruptcy Counseling With APFSC in Greensboro
- Reduce your interest rates, meaning you will pay less each month
- Our post-bankruptcy education team negotiates lower rates while keeping your credit history intact
- Pay off your credit card debt much faster
- One monthly payment, with a payment date to match your schedule
- Improve your money management skills
- Dedicated support team available to help Greensboro residents every step of the way
Pay Off Debt Years Sooner
Interest Rate Reduction
Keep More Money in Your Pocket
No Negative Impact To Your Credit
Common Questions About DOJ-approved bankruptcy in North Carolina
Still have questions about DOJ-approved bankruptcy in Greensboro? We’re here to help!
Contact our post-bankruptcy education team for a free, no-obligation consultation.
Can I qualify for debt relief with bad credit?
Absolutely — our Bankruptcy Counseling program in Greensboro 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 Bankruptcy Counseling program, most Greensboro clients see their scores improve.
Can I use my credit cards while enrolled?
Not during enrollment — the Bankruptcy Counseling program requires closing or pausing active cards so you can focus entirely on debtor education course.
Is there a cost to enroll in a debt relief program?
Your initial Bankruptcy 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?
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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Email Address
© 2017 – 2025 American Pacific Financial Services Corp (APFSC). All rights reserved. APFSC does not loan money.