Address
30021 Tomas St Suite 300
Rancho Santa Margarita, CA 92688
Portland Oregon residents: stop letting debt control your life. APFSC provides expert Credit Counseling to help you take back control. Our credit counseling session team works directly with your creditors to secure lower rates and create a clear path to financial freedom.
- No-Cost Credit Report Evaluation
- Free Credit Counseling Assessment
- Custom Repayment Strategy
As a DOJ-approved 501(c)(3) nonprofit, APFSC provides trusted Credit Counseling 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 Portland Oregon Residents Trust APFSC
APFSC is committed to offering the very best Credit Counseling program available to residents of Portland, Oregon. We have met the highest quality standards and are committed to helping you get your finances back on track through counseling and education. Debt affects more than your finances — it impacts your daily life, and we're here to help. Contact our Portland Oregon team today — together, we'll find the right path to interest rate reduction.
Advantages of Our Credit Counseling Program for Portland Oregon Residents
- Get interest rate reduction — significantly reducing what you pay each month in Portland
- Our credit counseling session team negotiates lower rates while keeping your credit history intact
- debt analysis — our program accelerates your path to becoming debt-free
- One monthly payment, with a payment date to match your schedule
- Gain the tools and knowledge to manage your finances confidently going forward
- Dedicated support team available to help Portland residents every step of the way
Shorten Your Debt Timeline
Lower Your Interest Rates
Thousands in Potential Savings
No Negative Impact To Your Credit
Frequently Asked Questions About Credit Counseling in Portland
Still have questions about free consultation in Portland? We’re here to help!
Contact our credit counseling session team for a free, no-obligation consultation.
Can I qualify for debt relief with bad credit?
Yes! Many Portland Oregon 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?
A brief, minor dip is possible, but the long-term trend is positive — most clients in Oregon see credit score gains as their balances decrease.
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?
Your initial Credit Counseling 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?
Credit cards, personal loans, medical bills, and some types of unsecured debt. Secured debts (like mortgages) are not included.
How long does the process take?
The typical Credit Counseling program runs 3 to 5 years, depending on your total debt and what fits your monthly budget.
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