You are not paying or paying late the…
You are not paying or paying late the credit card payments. I’m getting call and texts from the credit cards.
By Dianna
Saturday, November 7, 2026 · Customer reviews of US businesses

The Fair Hearing score
Great
22 reviews
Select a line to read only those reviews.
Honesty, pricing, process and quality scores appear once 5 customers have rated them.
APFSC is committed to offering the best debt management program available. We have met the highest quality standards and are committed to helping you get your finances back on track through counseling and education.
American Pacific Financial Services Corp. (APFSC) (apfsc.org) has 22 customer reviews on The Fair Hearing, with an average rating of 4.0 out of 5.
22 approved reviews, newest moderated first
You are not paying or paying late the credit card payments. I’m getting call and texts from the credit cards.
By Dianna
If you need to consolidate your credit card debt these are the people you want to work with. No judgement very professional people and they don’t hassle you every other day
By Tyra W.
This company is not professional. They call you and make threats about your account when they are taking your money. They keep taking your money after you complete your payments. Telling you finished early and there is still money to them. Their phone system isnt always working properly they say they will call you and dont. Oper James was rude and lied about canceling the payments and then took another payment still saying I owe them my debt was paid. He promised to call on Monday and would email the contract but never did
By Adrienne F.
This company has dragged on my debts to make more $ they have several different names and will not supply information or statements. They have been shady since 2021. 54 mos. Settle your own accounts!! You do not need them. Google search other names DBA
By Maureen A.
They are taking out almost $200 more than they originally said. I’m getting letters from the creditors that they are supposed to be paying that says they didn’t get payments. Rip off people
By Shawn C.
Helped me with credit card debt.
By Rebecca H.
Great company works with you through everything
By Charles O.
Good company
By sandy J.