Address
30021 Tomas St Suite 300
Rancho Santa Margarita, CA 92688
Looking for 501(c)(3) nonprofit in Roswell, Georgia? APFSC is a credit counseling agency 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 Credit Counseling Consultation
- Tailored Financial Action Plan
APFSC is a U.S. Department of Justice–approved 501(c)(3) nonprofit credit counseling agency. 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 Choose APFSC for Credit Counseling in Roswell?
APFSC is committed to offering the very best Credit Counseling program available to residents of Roswell, Georgia. As a DOJ-approved agency, we meet the highest quality standards to help you achieve debt-free plan. We understand how stressful debt can be — especially when you're unsure where to turn for help in Roswell. Contact our Roswell Georgia team today — together, we'll find the right path to debt-free plan.
How Credit Counseling From APFSC Benefits You in Georgia
- Get debt-free plan — significantly reducing what you pay each month in Roswell
- Our credit counseling agency team negotiates lower rates while keeping your credit history intact
- Eliminate credit card balances faster through a structured Credit Counseling plan
- Simplify your finances with a single monthly payment that fits your budget
- Gain the tools and knowledge to manage your finances confidently going forward
- Dedicated support team available to help Roswell residents every step of the way
Shorten Your Debt Timeline
Lower Your Interest Rates
Thousands in Potential Savings
Protect Your Credit Score
Credit Counseling FAQ for Roswell Georgia Residents
Still have questions about 501(c)(3) nonprofit in Roswell? 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?
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?
There may be a small initial dip, but as you make consistent payments through our Credit Counseling program, most Roswell clients see their scores improve.
Can I use my credit cards while enrolled?
Not during enrollment — the Credit Counseling program requires closing or pausing active cards so you can focus entirely on free financial evaluation.
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?
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 Roswell 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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© 2017 – 2025 American Pacific Financial Services Corp (APFSC). All rights reserved. APFSC does not loan money.
