Debt Relief Programs
Living in California comes with many advantages—but affordability isn’t always one of them. If you’re facing debt in California, you’re not alone. From Los Angeles and San Francisco to Fresno and Riverside, many residents are overwhelmed by credit card bills, loans, and financial uncertainty. At APFSC, we provide non-profit debt relief and credit counseling services designed to help Californians take control of their finances and build a path to freedom.
The Growing Debt Problem in California
The Financial Reality in California
The cost of living in California is among the highest in the country. As a result, many people turn to credit cards, personal loans, or even payday advances just to stay afloat. The average credit card debt per borrower in California is now over $7,500—significantly higher than the national average. Meanwhile, student loan debt has also skyrocketed, with the average balance in the state exceeding $37,000.
When wages don’t keep pace with housing, transportation, and healthcare costs, debt can become impossible to manage. Californians in both urban and rural areas are feeling the pressure—and many are just one emergency away from falling behind.
How APFSC Helps Californians Pay Off Debt
At APFSC, our mission is to guide you through financial recovery—without judgment, pressure, or gimmicks. We start with a free consultation to assess your current financial situation. From there, we design a personalized Debt Management Plan (DMP) that can reduce interest rates, consolidate payments, and help you become debt-free in as little as 3 to 5 years.
We also provide long-term support with budgeting, money management, and improving your credit profile. Our experienced team has helped thousands of Californians just like you, and we’re ready to help you take the next step.
Top Reasons Californians Fall into Debt
- High housing costs and rent burden
- Job loss, reduced income, or inconsistent freelance work
- Out-of-pocket healthcare and insurance gaps
- Overspending and lack of budgeting tools
- Student loan repayment difficulties
What Is a Debt Management Plan?
A Debt Management Plan is one of the most effective ways to reduce unsecured debt without taking out another loan. Once enrolled, your eligible debts—like credit cards, medical bills, and personal loans—are consolidated into one monthly payment.
With your permission, we’ll work directly with your creditors to:
- Lower interest rates
- Remove late fees and stop penalty charges
- Cease collection calls and legal threats
- Pay off your debt in a fixed time frame
- Improve your credit score with consistent payments
This approach gives you structure, clarity, and real support on your journey to becoming debt-free.
Talk to a HUD-certified housing counselor to get help with the housing challenges you’re facing.
Know Your Rights in California
California law protects residents from aggressive collection tactics and unfair lending practices. If you’re facing threats from creditors, know that the Fair Debt Collection Practices Act and California-specific consumer protections limit what collectors can legally do.
You’re also protected by a statute of limitations, which restricts how long a creditor can sue you for an unpaid debt. Our team will explain your rights and options so you feel confident taking control of your finances.
Debt Statistics in California
Why Choose APFSC?
As a non-profit organization, APFSC is focused on helping you—not profiting from your situation. We offer judgment-free support, transparent options, and actionable steps to help you get back on track.
When you contact us, you’ll speak with a certified counselor who understands the financial challenges unique to California. You’ll receive a personalized action plan based on your income, debt, and long-term goals. There’s no obligation, and your first session is completely free.
FAQ
Will a Debt Management Plan hurt my credit score?
Initially, it might dip slightly, but most clients see improvement over time as they make consistent on-time payments.
How long does the program take?
Most people complete their plan in 3 to 5 years, depending on how much they owe.
Can I still use my credit cards?
Once enrolled in a DMP, those accounts are typically closed to help you stay on track.
Is my information kept confidential?
Yes. All consultations and services are private and secure.
Case Studies
Approved agency for all major creditors including:
