Address
30021 Tomas St Suite 300
Rancho Santa Margarita, CA 92688
Overwhelmed by debt in Portland, Oregon? You don't have to face it alone. APFSC is a DOJ-approved credit counseling session offering free consultation 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 Assessment
- Tailored Financial Action Plan
APFSC is a federally approved nonprofit credit counseling session serving Portland and all of Oregon. 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 APFSC Is the Right Choice for free consultation in Oregon
APFSC is committed to offering the very best Credit Counseling program available to residents of Portland, Oregon. As a DOJ-approved agency, we meet the highest quality standards to help you achieve interest rate reduction. We understand how stressful debt can be — especially when you're unsure where to turn for help in Portland. 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
- Reduce your interest rates, meaning you will pay less each month
- Achieve interest rate reduction without any negative effect on your credit score or payment record
- debt analysis — our program accelerates your path to becoming debt-free
- Consolidate into one easy payment — no more juggling multiple bills each month
- Build lasting financial habits with our expert counseling and education resources
- Customer Service Hotline to answer your questions
Shorten Your Debt Timeline
Interest Rate Reduction
Keep More Money in Your Pocket
Credit-Safe Debt Solution
Common Questions About free consultation in Oregon
Still have questions about free consultation in Portland? 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?
Absolutely — our Credit Counseling program in Portland is designed specifically for people with imperfect credit. That’s who we serve.
Will a debt relief plan hurt my credit score?
There may be a small initial dip, but as you make consistent payments through our Credit Counseling program, most Portland 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?
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.
Phone
Email Address
© 2017 – 2025 American Pacific Financial Services Corp (APFSC). All rights reserved. APFSC does not loan money.