Address
30021 Tomas St Suite 300
Rancho Santa Margarita, CA 92688
Rockville Maryland residents: stop letting debt control your life. APFSC provides expert Debt Relief to help you take back control. Our need debt help team works directly with your creditors to secure lower rates and create a clear path to financial freedom.
- No-Cost Credit Report Evaluation
- Free Debt Relief Assessment
- Personalized Debt Payoff Plan
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 Choose APFSC for Debt Relief in Rockville?
APFSC is committed to offering the very best Debt Relief program available to residents of Rockville, Maryland. As a DOJ-approved agency, we meet the highest quality standards to help you achieve debt-free in 3-5 years. We understand how stressful debt can be — especially when you're unsure where to turn for help in Rockville. Contact our Rockville Maryland team today — together, we'll find the right path to debt-free in 3-5 years.
How Debt Relief From APFSC Benefits You in Maryland
- Lower your rates through our Debt Relief program, so more of your payment goes toward principal
- Interest rate reduction without negatively impacting your current payment or credit history
- Eliminate credit card balances faster through a structured Debt Relief plan
- One monthly payment, with a payment date to match your schedule
- Build lasting financial habits with our expert counseling and education resources
- Dedicated support team available to help Rockville residents every step of the way
Shorten Your Debt Timeline
Interest Rate Reduction
Keep More Money in Your Pocket
No Negative Impact To Your Credit
Common Questions About overwhelmed by debt in Maryland
Still have questions about overwhelmed by debt in Rockville? We’re here to help!
Contact our need debt help 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 Debt Relief program requires closing or pausing active cards so you can focus entirely on stop financial stress.
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?
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 Rockville 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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© 2017 – 2025 American Pacific Financial Services Corp (APFSC). All rights reserved. APFSC does not loan money.