AT
Adrienne Thomas
April 22, 2026
5 out of 5 stars
The experience I have received from this company is exceptional. The payments are made on time to my creditors, without me having to worry about it.
Struggling With Credit Card Debt?
- Nonprofit, DOJ-approved agency
- Free savings estimate, no obligation
- Options that may protect your credit score
Free, confidential, and no impact to your credit to check.
- U.S. Department of Justice Approved
- 501(c)(3) Nonprofit Agency
- BBB Accredited
- ISO Certified · FCN Member
- Helping individuals & families
- 26+ YearsHelping individuals & families
- Average interest savings*
- $21,964Average interest savings*
- Client satisfaction rate*
- 98.8%Client satisfaction rate*
*As reported by American Pacific Financial Services Corp. Individual results vary; savings come from reduced interest and fees, not guaranteed principal forgiveness.
Testimonials
Real Stories, Real Success
RM
Rose Missioni-Collins
April 22, 2026
5 out of 5 stars
This process has been a great opportunity for me. It takes care of several cards so I don't have to schedule payments myself.
CC
Cheryl Carrasco
April 21, 2026
5 out of 5 stars
This service has been great support for paying a debt off.
AW
Andra White
April 21, 2026
5 out of 5 stars
This program has really helped me with a few credit cards almost paid off.
MT
mindy Tyler
April 21, 2026
5 out of 5 stars
Although it was hard to contact someone but when I did WOW! I talked to the manager James who helped me get all my ducks in a row.
NR
Nancy Rubin
April 17, 2026
5 out of 5 stars
They pay 6 of my bills every month. Have about one year left!
EH
Ed Hendricks
April 16, 2026
5 out of 5 stars
APFSC has been great to work with. We're pleased the debt consolidation and quick progress that we are already seeing in our accounts.
Verified Google reviews of American Pacific Financial Services Corp, shown as submitted by clients. Individual results vary; reviews are not a guarantee of future outcomes.
Approved agency for all major creditors including
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Creditor names are used for identification only and do not imply endorsement.
How It Works
1
Answer a few questions
Takes about 60 seconds.
2
Get your free savings estimate
No obligation, no cost.
3
Talk to a certified counselor
Free consultation. You decide what's next.
Why a Nonprofit Is Different
No sales pressure
Counselors are certified to educate, not to close a sale. There is never an obligation to enroll.
DOJ oversight
As one of only 32 DOJ-approved credit counseling agencies, our practices are reviewed and supervised.
Both options, side by side
You see a debt management plan and debt resolution compared honestly, then decide for yourself.
Nonprofit debt management plan
- Counseling sessions are free of charge under federal and state guidelines
- Consolidates what you owe into one, often lower, monthly payment
- Interest rates are typically reduced through creditor negotiation
- Most clients see benefits within 60 to 90 days after creditor proposals are accepted
- Balances are paid in full, typically in 3 to 5 years instead of decades
Debt resolution (settlement)
- Accounts may be resolved for less than the full balance
- Payments are set aside rather than paid to creditors monthly
- Can negatively affect your credit; forgiven debt may be taxable
- Provided through affiliated third-party providers
Educational comparison only. Which option fits depends on your accounts, budget, and goals. A counselor reviews both with you.