Address
30021 Tomas St Suite 300
Rancho Santa Margarita, CA 92688
Overwhelmed by debt in Modesto, California? You don't have to face it alone. APFSC is a DOJ-approved high balance help offering credit card debt relief that has helped thousands of Americans save money, reduce stress, and get back on solid financial ground.
- Complimentary Credit Report Analysis
- Free Debt Relief Assessment
- Tailored Financial Action Plan
APFSC is a federally approved nonprofit high balance help serving Modesto and all of California. 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 Modesto California Residents Trust APFSC
For Modesto California residents seeking credit card debt relief, APFSC delivers the highest standard of Debt Relief. As a DOJ-approved agency, we meet the highest quality standards to help you achieve stop collection calls. We understand the emotional burden that debt can place on a person. Please contact us so that together, we can find a better way out of debt.
Advantages of Our Debt Relief Program for Modesto California Residents
- Reduce your interest rates, meaning you will pay less each month
- Interest rate reduction without negatively impacting your current payment or credit history
- reduce what you owe — our program accelerates your path to becoming debt-free
- Consolidate into one easy payment — no more juggling multiple bills each month
- Gain the tools and knowledge to manage your finances confidently going forward
- Customer Service Hotline to answer your questions
Save Years of Payments
Lower Your Interest Rates
Save Thousands Of Dollars
No Negative Impact To Your Credit
Debt Relief FAQ for Modesto California Residents
Still have questions about credit card debt relief in Modesto? 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! Many Modesto California 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?
There may be a small initial dip, but as you make consistent payments through our Debt Relief program, most Modesto clients see their scores improve.
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?
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 Debt Relief 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 Modesto clients are debt-free within 3–5 years. Your timeline depends on your total balance and the payment plan we build together.
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