Address
30021 Tomas St Suite 300
Rancho Santa Margarita, CA 92688
Overwhelmed by debt in Boston, Massachusetts? You don't have to face it alone. APFSC is a DOJ-approved DOJ-approved agency offering certified counselor that has helped thousands of Americans save money, reduce stress, and get back on solid financial ground.
- Free Credit Report Review
- Free Credit Counseling Session
- Personalized Debt Payoff Plan
APFSC is a federally approved nonprofit DOJ-approved agency serving Boston and all of Massachusetts. 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 Boston Massachusetts Residents Trust APFSC
APFSC is committed to offering the very best Credit Counseling program available to residents of Boston, Massachusetts. As a DOJ-approved agency, we meet the highest quality standards to help you achieve personalized debt plan. We understand the emotional burden that debt can place on a person. Contact our Boston Massachusetts team today — together, we'll find the right path to personalized debt plan.
Advantages of Our Credit Counseling Program for Boston Massachusetts Residents
- Get personalized debt plan — significantly reducing what you pay each month in Boston
- Achieve personalized debt plan without any negative effect on your credit score or payment record
- Eliminate credit card balances faster through a structured Credit Counseling plan
- 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
Interest Rate Reduction
Thousands in Potential Savings
Protect Your Credit Score
Credit Counseling FAQ for Boston Massachusetts Residents
Still have questions about certified counselor in Boston? We’re here to help!
Contact our DOJ-approved agency 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?
A brief, minor dip is possible, but the long-term trend is positive — most clients in Massachusetts see credit score gains as their balances decrease.
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?
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?
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 Boston clients are debt-free within 3–5 years. Your timeline depends on your total balance and the payment plan we build together.
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