Address
30021 Tomas St Suite 300
Rancho Santa Margarita, CA 92688
Overwhelmed by debt in Tucson, Arizona? 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.
- No-Cost Credit Report Evaluation
- Free Debt Management Session
- Tailored Financial Action Plan
APFSC is a federally approved nonprofit personal loan payoff serving Tucson and all of Arizona. 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 Arizona
APFSC is committed to offering the very best Debt Management program available to residents of Tucson, Arizona. As a DOJ-approved agency, we meet the highest quality standards to help you achieve unsecured debt plan. We understand the emotional burden that debt can place on a person. Please contact us so that together, we can find a better way out of debt.
How Debt Management From APFSC Benefits You in Arizona
- Get unsecured debt plan — significantly reducing what you pay each month in Tucson
- Interest rate reduction without negatively impacting your current payment or credit history
- Pay off your credit card debt much faster
- One monthly payment, with a payment date to match your schedule
- Gain the tools and knowledge to manage your finances confidently going forward
- Questions? Our friendly support team is just a phone call away
Save Years of Payments
Interest Rate Reduction
Thousands in Potential Savings
No Negative Impact To Your Credit
Debt Management FAQ for Tucson Arizona Residents
Still have questions about credit card management in Tucson? 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! Many Tucson Arizona residents who enroll in our program have struggled with their credit. We’re here to help you move forward.
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?
Not during enrollment — the Debt Management program requires closing or pausing active cards so you can focus entirely on medical bill management.
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?
Our Debt Management program covers credit cards, personal loans, medical bills, and most unsecured debts. Secured debts like mortgages are not eligible.
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.
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© 2017 – 2025 American Pacific Financial Services Corp (APFSC). All rights reserved. APFSC does not loan money.