American Pacific Financial Services Corporation

4a credit counseling and education this program supports individuals in managing their personal finances by offering solution-oriented credit counseling budget planning assistance and Financial education materials. Counseling sessions are tailored to the unique needs of each consumer with the goal of identifying the most effective strategies for resolving Financial hardship. In 2024 apfsc delivered credit counseling and educational resources to thousands of consumers. These materials aid in building strong money management skills and promoting responsible credit usage. Services are offered in person to residents of southern California and nationwide via telephone and online platforms.

4c. Bankruptcy counseling and debtor education federal bankruptcy law mandates that individuals filing for bankruptcy must complete a pre-filing credit counseling session and a post-filing personal Financial management course. To ensure accessibility apfsc delivers these Services through an interactive web-based platform. Upon completion clients receive certificates as required under title 11 of the u.s. bankruptcy code. In 2024 apfsc issued a significant number of certificates to individuals fulfilling bankruptcy filing requirements.

4b debt management apfsc offers debt management programs (dmps) to help clients pay off unsecured debts and achieve long-term Financial stability. As part of these programs apfsc coordinates payment processing seeks to negotiate reduced interest rates and helps establish affordable monthly payments on behalf of clients. Participants also receive continuing Financial education and customized Financial advice to support better Financial behavior and future planning.