Address
30021 Tomas St Suite 300
Rancho Santa Margarita, CA 92688
Overwhelmed by debt in Fort Worth, Texas? You don't have to face it alone. APFSC is a DOJ-approved post-bankruptcy education offering DOJ-approved bankruptcy that has helped thousands of Americans save money, reduce stress, and get back on solid financial ground.
- Complimentary Credit Report Analysis
- Free Bankruptcy Counseling Consultation
- Custom Repayment Strategy
APFSC is a U.S. Department of Justice–approved 501(c)(3) nonprofit credit counseling agency. All Credit Counseling sessions are offered free of charge in compliance with federal and state guidelines.
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 Fort Worth Texas Residents Trust APFSC
For Fort Worth Texas residents seeking DOJ-approved bankruptcy, APFSC delivers the highest standard of Bankruptcy Counseling. As a DOJ-approved agency, we meet the highest quality standards to help you achieve bankruptcy alternative. We understand how stressful debt can be — especially when you're unsure where to turn for help in Fort Worth. Contact our Fort Worth Texas team today — together, we'll find the right path to bankruptcy alternative.
Advantages of Our Bankruptcy Counseling Program for Fort Worth Texas Residents
- Lower your rates through our Bankruptcy Counseling program, so more of your payment goes toward principal
- Our post-bankruptcy education team negotiates lower rates while keeping your credit history intact
- debtor education course — our program accelerates your path to becoming debt-free
- Simplify your finances with a single monthly payment that fits your budget
- Gain the tools and knowledge to manage your finances confidently going forward
- Questions? Our friendly support team is just a phone call away
Pay Off Debt Years Sooner
Lower Your Interest Rates
Thousands in Potential Savings
Protect Your Credit Score
Common Questions About DOJ-approved bankruptcy in Texas
Still have questions about DOJ-approved bankruptcy in Fort Worth? 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?
Absolutely — our Bankruptcy Counseling program in Fort Worth 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 Texas see credit score gains as their balances decrease.
Can I use my credit cards while enrolled?
Not during enrollment — the Bankruptcy Counseling program requires closing or pausing active cards so you can focus entirely on debtor education course.
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 clients complete the program in 3–5 years, depending on their total debt and monthly budget.
Phone
Email Address
© 2017 – 2025 American Pacific Financial Services Corp (APFSC). All rights reserved. APFSC does not loan money.