Address
30021 Tomas St Suite 300
Rancho Santa Margarita, CA 92688
Looking for avoid filing bankruptcy in Ontario, California? APFSC is a bankruptcy alternative that helps people just like you save thousands in interest, lower monthly payments, and become debt-free — without negatively impacting your credit score or payment history.
- No-Cost Credit Report Evaluation
- Free Bankruptcy Counseling Session
- Custom Repayment Strategy
APFSC is a U.S. Department of Justice–approved 501(c)(3) nonprofit credit counseling agency. 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 APFSC Is the Right Choice for avoid filing bankruptcy in California
APFSC is committed to offering the very best Bankruptcy Counseling program available to residents of Ontario, California. We have met the highest quality standards and are committed to helping you get your finances back on track through counseling and education. We understand how stressful debt can be — especially when you're unsure where to turn for help in Ontario. Contact our Ontario California team today — together, we'll find the right path to protect your assets.
Benefits of Bankruptcy Counseling With APFSC in Ontario
- Lower your rates through our Bankruptcy Counseling program, so more of your payment goes toward principal
- Achieve protect your assets without any negative effect on your credit score or payment record
- Eliminate credit card balances faster through a structured Bankruptcy Counseling 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
Thousands in Potential Savings
No Negative Impact To Your Credit
Bankruptcy Counseling FAQ for Ontario California Residents
Still have questions about avoid filing bankruptcy in Ontario? We’re here to help!
Contact our bankruptcy alternative team for a free, no-obligation consultation.
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?
Your score may dip slightly at first, but most clients see improvement over time as debts are paid down consistently.
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?
Our Bankruptcy 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.
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