Address
30021 Tomas St Suite 300
Rancho Santa Margarita, CA 92688
Looking for get out of debt in Jacksonville, Florida? APFSC is a debt-free life 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.
- Complimentary Credit Report Analysis
- Free Debt Relief Consultation
- Tailored Financial Action Plan
APFSC is a federally approved nonprofit debt-free life serving Jacksonville and all of Florida. Our Debt Relief 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 Jacksonville Florida Residents Trust APFSC
For Jacksonville Florida residents seeking get out of debt, APFSC delivers the highest standard of Debt Relief. Our debt-free life team has helped thousands of people across Florida achieve affordable payments through personalized counseling and financial education. We understand how stressful debt can be — especially when you're unsure where to turn for help in Jacksonville. Reach out today for a free consultation and let us build a personalized plan for affordable payments.
Advantages of Our Debt Relief Program for Jacksonville Florida Residents
- Get proven debt program — significantly reducing what you pay each month in Jacksonville
- Our debt-free life team negotiates lower rates while keeping your credit history intact
- Pay off your credit card debt much faster
- Consolidate into one easy payment — no more juggling multiple bills each month
- Improve your money management skills
- Dedicated support team available to help Jacksonville residents every step of the way
Pay Off Debt Years Sooner
Reduced APR on Your Debt
Keep More Money in Your Pocket
No Negative Impact To Your Credit
Debt Relief FAQ for Jacksonville Florida Residents
Still have questions about get out of debt in Jacksonville? We’re here to help!
Get personalized guidance from our experienced counselors — it’s completely free.
Can I qualify for debt relief with bad credit?
Absolutely — our Debt Relief program in Jacksonville is designed specifically for people with imperfect credit. That’s who we serve.
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 Florida 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 Debt Relief 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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