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30021 Tomas St Suite 300
Rancho Santa Margarita, CA 92688
Overwhelmed by debt in Hillsboro, Oregon? You don't have to face it alone. APFSC is a DOJ-approved bankruptcy requirement offering pre-filing counseling that has helped thousands of Americans save money, reduce stress, and get back on solid financial ground.
- Complimentary Credit Report Analysis
- Free Bankruptcy Counseling Assessment
- Tailored Financial Action Plan
As a DOJ-approved 501(c)(3) nonprofit, APFSC provides trusted Bankruptcy Counseling services. Our Bankruptcy 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 Choose APFSC for Bankruptcy Counseling in Hillsboro?
For Hillsboro Oregon residents seeking pre-filing counseling, APFSC delivers the highest standard of Bankruptcy Counseling. As a DOJ-approved agency, we meet the highest quality standards to help you achieve Chapter 7 counseling. We understand the emotional burden that debt can place on a person. Contact our Hillsboro Oregon team today — together, we'll find the right path to Chapter 7 counseling.
How Bankruptcy Counseling From APFSC Benefits You in Oregon
- Get Chapter 7 counseling — significantly reducing what you pay each month in Hillsboro
- Achieve Chapter 7 counseling without any negative effect on your credit score or payment record
- court-approved counselor — 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
- Questions? Our friendly support team is just a phone call away
Pay Off Debt Years Sooner
Interest Rate Reduction
Thousands in Potential Savings
No Negative Impact To Your Credit
Bankruptcy Counseling FAQ for Hillsboro Oregon Residents
Still have questions about pre-filing counseling in Hillsboro? 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 Hillsboro is designed specifically for people with imperfect credit. That’s who we serve.
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?
No — part of the program involves closing or suspending active credit cards to focus on paying off your current balances.
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 Bankruptcy Counseling 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 Bankruptcy Counseling program runs 3 to 5 years, depending on your total debt and what fits your monthly budget.
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