2025-04-23T14:30:46-05:00 2024-12-31 850713450 ETIENDEM CPA 11357 NUCKOLS RD 2113 GLEN ALLEN VA 23059 990 2024-01-01 822895115 AMERICAN PACIFIC FINANCIAL SERVICES CORP AMER 9496816800 30021 TOMAS ST STE 300 RANCHO SANTA MARGARITA CA 92688 GEORGE ANDERSON PRESIDENT 9496816800 2025-04-02 1 1 BENEDICK E MBECHA CPA P02371289 8048074602 2024 2025-03-06 01:10:19Z GEORGE ANDERSON 30021 TOMAS ST STE 300 RANCHO SANTA MARGARITA CA 92688 595427 0 X www.apfsc.org X 2020 CA AMERICAN PACIFIC FINANCIAL SERVICES CORP (APFSC) PROVIDES A COMPREHENSIVE RANGE OF CREDIT, BANKRUPTCY, AND HOUSING COUNSELING SERVICES TO THE GENERAL PUBLIC. THESE INCLUDE THE DISTRIBUTION OF EDUCATIONAL MATERIALS AND RESOURCES, PERSONALIZED COUNSELING SERVICES, STRUCTURED DEBT MANAGEMENT PROGRAMS, BANKRUPTCY CREDIT COUNSELING, FORECLOSURE PREVENTION, HOMEBUYER EDUCATION, PRE-PURCHASE HOUSING COUNSELING, AND OTHER FINANCIAL LITERACY INITIATIVES. ALL SERVICES ARE DESIGNED TO PROMOTE FINANCIAL EMPOWERMENT AND WELL-BEING AMONG INDIVIDUALS AND FAMILIES. 6 6 5 7 0 951822 71575 523852 0 0 951822 595427 0 0 160697 106353 0 693 738380 506191 899077 612544 52745 -17117 147592 112225 27947 9697 119645 102528 X AMERICAN NBSP;PACIFIC NBSP;FINANCIAL NBSP;SERVICES NBSP;CORP NBSP;(APFSC) NBSP;PROVIDES NBSP;A NBSP;COMPREHENSIVE NBSP;RANGE NBSP;OF NBSP;CREDIT NBSP;BANKRUPTCY NBSP;AND NBSP;HOUSING NBSP;COUNSELING NBSP;SERVICES NBSP;TO NBSP;THE NBSP;GENERAL NBSP;PUBLIC NBSP;THESE NBSP;INCLUDE NBSP;THE NBSP;DISTRIBUTION NBSP;OF NBSP;EDUCATIONAL NBSP;MATERIALS NBSP;AND NBSP;RESOURCES NBSP;PERSONALIZED NBSP;COUNSELING NBSP;SERVICES NBSP;STRUCTURED NBSP;DEBT NBSP;MANAGEMENT NBSP;PROGRAMS NBSP;BANKRUPTCY NBSP;CREDIT NBSP;COUNSELING NBSP;FORECLOSURE NBSP;PREVENTION NBSP;HOMEBUYER NBSP;EDUCATION NBSP;PRE-PURCHASE NBSP;HOUSING NBSP;COUNSELING NBSP;AND NBSP;OTHER NBSP;FINANCIAL NBSP;LITERACY NBSP;INITIATIVES NBSP;ALL NBSP;SERVICES NBSP;ARE NBSP;DESIGNED NBSP;TO NBSP;PROMOTE NBSP;FINANCIAL NBSP;EMPOWERMENT NBSP;AND NBSP;WELL-BEING NBSP;AMONG NBSP;INDIVIDUALS NBSP;AND NBSP;FAMILIES 0 0 376580 323662 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. 191576 199434 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. 41398 756 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. 16190 16190 625744 1 1 0 0 0 0 0 0 1 0 0 0 0 0 1 0 1 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 1 0 0 0 5 1 0 0 AF 0 0 0 0 0 0 0 0 0 0 0 0 0 X 6 6 0 0 0 0 0 0 0 1 1 0 0 1 1 1 1 1 1 1 1 0 CA MA OR IL FL MS X GEORGE ANDERSON 9496816800 30021 TOMAS ST STE 300 RANCHO SANTA MARGARITA CA 92688 STEPHANIE ASSALI COO, CMO 010.00 X X 10500 0 0 GEORGE ANDERSON PRESIDENT, CEO, DIRECTOR 005.00 X X 5040 0 0 CINDY TANEZAKI CFO, DIRECTOR 005.00 X X 5373 0 0 CHRISTINA SHEA TRUSTEE, DIRECTOR X 0 0 0 GINO CLEMENTE TRUSTEE, DIRECTOR X 0 0 0 MARY CASSEDY TRUSTEE, DIRECTOR X 0 0 0 20913 0 0 0 71575 71575 523852 523852 595427 0 0 0 X 10500 10500 95853 63947 31906 10471 7330 3141 7658 5361 2297 163226 114258 48968 17283 12098 5185 226873 158326 67854 693 1797 1258 539 LICENSES AND REGISTRATION 31186 21830 9356 UTILITIES 1294 906 388 DUES AND SUBSCRIPTIONS 780 546 234 BANK CHARGES 43781 30647 13134 1842 1289 553 612544 428296 183555 693 139923 112225 7669 147592 112225 9904 18043 9697 27947 9697 X 0 0 119645 102528 0 0 0 0 0 0 119645 102528 147592 112225 -17117 X X 0 1 1 0 X 7071 184638 951822 595427 1738958 7071 184638 951822 595427 1738958 1738958 7071 184638 951822 595427 1738958 X 1.00000 0.00000 0.00000 0.00000 0 0 0 0 0 0 RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED Trust liability 9697 9697 595427 595427 595427 612544 612544 612544 PART III, LINE 4D 4D FINANCIAL LITERACY OUTREACH APFSC OFFERS A WIDE RANGE OF FINANCIAL LITERACY TOOLS. THESE EVENTS ARE OPEN TO THE GENERAL PUBLIC AND FOCUS ON EQUIPPING PARTICIPANTS WITH ESSENTIAL KNOWLEDGE AND TOOLS RELATED TO PERSONAL FINANCE RESPONSIBLE CREDIT USAGE. THE GOAL OF EACH SESSION IS TO STRENGTHEN FINANCIAL CAPABILITIES AND PROMOTE LONG-TERM FINANCIAL SUCCESS. PART VI, SECTION B, LINE 11B AUDITOR PRESENTS 990 DRAFT FORM TO FINANCE COMMITTEE. COMMITTEE AND MANAGEMENT REVIEW AND WORK WITH THE AUDITOR ON ANY NECESSARY CHANGES. FINANCE COMMITTEE SENDS THE 990 TO BOARD FOR REVIEW BEFORE IT IS FILED. PART VI, SECTION B, LINE 12C ENFORCEMENT OF CONFLICTS POLICY ANNUALLY THE DIRECTOR OF OPERATIONS ASKS THE BOARD MEMBERS TO FILL OUT THE FORM AND THEN FILES THEM. PART VI, SECTION B, LINE 15A COMPENSATION PROCESS FOR OFFICERS PAY RATES HAVE HISTORICALLY BEEN DETERMINED BY RATE NEEDED TO GET THE NECESSARY SKILLS FOR WHAT NEEDS TO BE DONE. FROM TIME TO TIME WE HAVE LOOKED AT OUTSOURCING AND CONSULTANT RATES FOR DOING THE SAME TYPE OF WORK AS STAFF AND OUR PAY RATES HAVE ALWAYS BEEN SIGNIFICANTLY LOWER. PART VI, SECTION C, LINE 19 GOVERNING DOCUMENTS, CONFLICT OF INTEREST POLICY, AND FINANCIAL STATEMENTS INFORMATION ARE AVAILABLE UPON REQUEST THROUGH OFFICIAL EMAIL ADDRESS GEORGE.ANDERSONAPFSC.ORG PART IX, LINE 24E MEALS AMP ENTERTAINMENT USD 1842 PART XII, LINE 2C THERE HAS BEEN NO CHANGES IN OVERSIGHT PROCESS OR SELECTION PROCESS DURING THE TAX YEAR 2024.