Address
30021 Tomas St Suite 300
Rancho Santa Margarita, CA 92688
Dayton Ohio residents: stop letting debt control your life. APFSC provides expert Debt Relief to help you take back control. Our debt relief alternative team works directly with your creditors to secure lower rates and create a clear path to financial freedom.
- Complimentary Credit Report Analysis
- Free Debt Relief Assessment
- Custom Repayment Strategy
APFSC is a federally approved nonprofit debt relief alternative serving Dayton and all of Ohio. 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 Dayton Ohio Residents Trust APFSC
APFSC is committed to offering the very best Debt Relief program available to residents of Dayton, Ohio. We have met the highest quality standards and are committed to helping you get your finances back on track through counseling and education. Debt affects more than your finances — it impacts your daily life, and we're here to help. Contact our Dayton Ohio team today — together, we'll find the right path to no-loan debt solution.
Benefits of Debt Relief With APFSC in Dayton
- Lower your rates through our Debt Relief program, so more of your payment goes toward principal
- Interest rate reduction without negatively impacting your current payment or credit history
- Eliminate credit card balances faster through a structured Debt Relief plan
- Consolidate into one easy payment — no more juggling multiple bills each month
- Build lasting financial habits with our expert counseling and education resources
- Customer Service Hotline to answer your questions
Shorten Your Debt Timeline
Reduced APR on Your Debt
Keep More Money in Your Pocket
No Negative Impact To Your Credit
Debt Relief FAQ for Dayton Ohio Residents
Still have questions about avoid bankruptcy in Dayton? 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?
Absolutely — our Debt Relief program in Dayton is designed specifically for people with imperfect credit. That’s who we serve.
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?
Free consultations for Dayton Ohio residents. Enrollment fees are minimal — and the savings on interest alone far outweigh the cost.
What kinds of debt are eligible?
We help with credit card debt, personal loans, medical bills, and other unsecured obligations. Mortgages and other secured debts are handled separately.
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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© 2017 – 2025 American Pacific Financial Services Corp (APFSC). All rights reserved. APFSC does not loan money.