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Overwhelmed by debt in Omaha, Nebraska? You don't have to face it alone. APFSC is a DOJ-approved free debt evaluation offering credit counseling near me that has helped thousands of Americans save money, reduce stress, and get back on solid financial ground.
- No-Cost Credit Report Evaluation
- Free Credit Counseling Session
- Personalized Debt Payoff Plan
APFSC is a federally approved nonprofit free debt evaluation serving Omaha and all of Nebraska. Our Credit Counseling 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
Loans
Store Cards
Lines of Credit
Overdrafts
Business Debt
Credit Cards
Loans
Store Cards
Lines of Credit
Overdrafts
Business Debt
Why Omaha Nebraska Residents Trust APFSC
APFSC is committed to offering the very best Credit Counseling program available to residents of Omaha, Nebraska. We have met the highest quality standards and are committed to helping you get your finances back on track through counseling and education. We understand how stressful debt can be — especially when you're unsure where to turn for help in Omaha. Reach out today for a free consultation and let us build a personalized plan for credit report review.
How Credit Counseling From APFSC Benefits You in Nebraska
- Get lower your payments — significantly reducing what you pay each month in Omaha
- Interest rate reduction without negatively impacting your current payment or credit history
- credit report review — 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
- Customer Service Hotline to answer your questions
Pay Off Debt Years Sooner
Lower Your Interest Rates
Save Thousands Of Dollars
Credit-Safe Debt Solution
Frequently Asked Questions About Credit Counseling in Omaha
Still have questions about credit counseling near me in Omaha? We’re here to help!
Contact our free debt evaluation team for a free, no-obligation consultation.
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?
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 Credit Counseling program requires closing or pausing active cards so you can focus entirely on credit report review.
Is there a cost to enroll in a debt relief program?
Free consultations for Omaha Nebraska residents. Enrollment fees are minimal — and the savings on interest alone far outweigh the cost.
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?
Most clients complete the program in 3–5 years, depending on their total debt and monthly budget.
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© 2017 – 2025 American Pacific Financial Services Corp (APFSC). All rights reserved. APFSC does not loan money.