Address
30021 Tomas St Suite 300
Rancho Santa Margarita, CA 92688
Overwhelmed by debt in Minneapolis, Minnesota? You don't have to face it alone. APFSC is a DOJ-approved personal loan payoff offering credit card management that has helped thousands of Americans save money, reduce stress, and get back on solid financial ground.
- Complimentary Credit Report Analysis
- Free Debt Management Session
- Custom Repayment Strategy
As a DOJ-approved 501(c)(3) nonprofit, APFSC provides trusted Debt Management services. Every counseling session is completely free, in full compliance with federal and state regulations.
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 credit card management in Minnesota
For Minneapolis Minnesota residents seeking credit card management, APFSC delivers the highest standard of Debt Management. Our personal loan payoff team has helped thousands of people across Minnesota achieve medical bill management through personalized counseling and financial education. We understand how stressful debt can be — especially when you're unsure where to turn for help in Minneapolis. Contact our Minneapolis Minnesota team today — together, we'll find the right path to unsecured debt plan.
Advantages of Our Debt Management Program for Minneapolis Minnesota Residents
- Get unsecured debt plan — significantly reducing what you pay each month in Minneapolis
- Achieve unsecured debt plan without any negative effect on your credit score or payment record
- Eliminate credit card balances faster through a structured Debt Management 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
Keep More Money in Your Pocket
Protect Your Credit Score
Frequently Asked Questions About Debt Management in Minneapolis
Still have questions about credit card management in Minneapolis? We’re here to help!
Contact our personal loan payoff 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?
To maximize your results, active credit cards are suspended while you work through the program. This helps you stay focused on becoming debt-free.
Is there a cost to enroll in a debt relief program?
Free consultations for Minneapolis Minnesota 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?
The typical Debt Management program runs 3 to 5 years, depending on your total debt and what fits your monthly budget.
Phone
Email Address
© 2017 – 2025 American Pacific Financial Services Corp (APFSC). All rights reserved. APFSC does not loan money.