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Fresh Beginning Financial Solutions

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8007579850

Overwhelmed by debt in Portland, Maine? You don't have to face it alone. APFSC is a DOJ-approved simplify payments offering credit card consolidation that has helped thousands of Americans save money, reduce stress, and get back on solid financial ground.

  • Free Credit Report Review
  • Free Debt Consolidation Session
  • Custom Repayment Strategy

    By clicking Get Started
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    Current Debt:
    Without Program

    With Program

    60 Months
    Savings
    • Save – Pay off your debt significantly faster.
    • Save in interest – Keep your hard-earned money.
    • Lower Monthly Payments – Reduce your burden.
    • Become Debt-Free in Months – Without damaging your credit!

    APFSC is a federally approved nonprofit simplify payments serving Portland and all of Maine. Our Debt Consolidation 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 Icon Credit Cards
    Loans Icon Loans
    Store Cards Icon Store Cards
    Lines of Credit Icon Lines of Credit
    Overdrafts Icon Overdrafts
    Business Debt Icon Business Debt
    Credit Cards Icon Credit Cards
    Loans Icon Loans
    Store Cards Icon Store Cards
    Lines of Credit Icon Lines of Credit
    Overdrafts Icon Overdrafts
    Business Debt Icon Business Debt

    Why Portland Maine Residents Trust APFSC

    For Portland Maine residents seeking credit card consolidation, APFSC delivers the highest standard of Debt Consolidation. Our simplify payments team has helped thousands of people across Maine achieve interest rate reduction through personalized counseling and financial education. We understand the emotional burden that debt can place on a person. Contact our Portland Maine team today — together, we'll find the right path to pay off debt faster.

    Get A Free Consultation

    Advantages of Our Debt Consolidation Program for Portland Maine Residents

    • Get pay off debt faster — significantly reducing what you pay each month in Portland
    • Achieve pay off debt faster without any negative effect on your credit score or payment record
    • interest rate reduction — our program accelerates your path to becoming debt-free
    • Simplify your finances with a single monthly payment that fits your budget
    • Improve your money management skills
    • Dedicated support team available to help Portland residents every step of the way
    Get In Touch Today
    Save Years of Payments
    Reduced APR on Your Debt
    Thousands in Potential Savings
    Credit-Safe Debt Solution

    Frequently Asked Questions About Debt Consolidation in Portland

    Still have questions about credit card consolidation in Portland? 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?

    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 Debt Consolidation program, most Portland clients see their scores improve.

    Can I use my credit cards while enrolled?

    Not during enrollment — the Debt Consolidation program requires closing or pausing active cards so you can focus entirely on interest rate reduction.

    Is there a cost to enroll in a debt relief program?

    Your initial Debt Consolidation 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?

    Our Debt Consolidation 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?

    Most Portland clients are debt-free within 3–5 years. Your timeline depends on your total balance and the payment plan we build together.

    Get A Free Consultation

    Address

    30021 Tomas St Suite 300
    Rancho Santa Margarita, CA 92688

    Phone Phone

    Phone

    8007579850

    Mail Mail

    Email Address

    [email protected]

    © 2017 – 2025 American Pacific Financial Services Corp (APFSC). All rights reserved. APFSC does not loan money.