"I was so pleased to find it easy to talk to my counselor about my debt problem. He was very helpful in helping me find a budget I could work with and thanks to him, I was able to reduce my interest rate so I could pay off my debt."
- V.R. from FL
"Thank you for helping me stay out of collections and make progress toward paying off my debt. Everyone I spoke with was very helpful and made the process simple. They explained and re-explained when I needed it. I have recommended ACCC as a resource to people I know."
- Sarah from AR
"Thank you to you and your team for helping me get out of debt. I felt like I was drowning in debt and after speaking to your representatives, I was relieved and felt like a weight was lifted. They made it simple and treated me with respect and have always been super friendly. I am grateful for your service!"
- James from MA
"Your company not only helped me [with my] money management skills and budgeting; your company also treated me with compassion, mercy, and respect. "
"ACCC provided me with this plan of how to get out of debt, and also taught me how to stay out of debt. If I have any questions, [ACCC's] staff is always there to give me the answers. ACCC's Debt Management Program helped me so much.
- Madge from FL
Understanding Student Loans
What's Your Holiday Spending Plan?
How to Create a Budget
Our certified credit counselors will help you determine the best way to approach your financial situation and provide you the best debt advice options and debt solutions for managing your credit card debt.
Our credit advisors will assist in analyzing your current financial situation, providing personalized options based on your goals, and recommending the optimal debt management plan to achieve financial stability. The debt counseling solutions we provide offer our members long term financial success, as well as short term debt management programs and debt consolidation.
If you're planning to file for bankruptcy, the law requires that you complete a pre-bankruptcy counseling session with an approved credit counseling agency. American Consumer Credit Counseling is an approved bankruptcy credit counseling agency, authorized by the US Trustee Program of the Department of Justice. In addition to obtaining a bankruptcy certificate before your bankruptcy is discharged, you must also, complete a debtor education course, also known as post-bankruptcy debtor education. ACCC can help you with both of these requirements.
We provide online bankruptcy counseling, and can also give bankruptcy counseling over the phone. You can complete most of the requirements of your bankruptcy certificate online.
Our debt management program helps simplify your monthly unsecured debt obligations. Examples of unsecured debt include: credit cards, department store cards, collection agencies, credit lines, and unsecured personal loans. Once you have enrolled, we will consolidate your payments and disburse funds to your creditors on your behalf.
As part of our debt management program, our financial counseling specialists will assist you with how to consolidate debt. Debt consolidation is an important step in lowering monthly payments to creditors and collection agencies. Unlike a debt consolidation loan, you do not borrow money. Credit card debt consolidation under a debt management plan provides you with one easy payment.
Homeownership is possibly the highest achievement for an individual or family in your lifetime. Whether you are in the process of purchasing your first home, are a recent buyer or longtime owner, the responsibilities are enormous. ACCC’s housing counselors are available to assist you in all aspects of your housing needs. We provide reverse mortgage, pre-purchase, post purchase and foreclosure counseling. Being a homeowner comes with much responsibility. We are certified by the US Department of Housing and Urban Development (HUD) and are committed to providing communities with housing counseling assistance as well as providing housing resources and education.
Over 23 Years in Business American Consumer Credit Counseling is a nonprofit credit counseling agency that helps consumers take control of their financial lives through credit counseling, debt consolidation and financial education. Since 1991 we have been improving lives and providing solutions to people in need of financial help. Call to speak with a certified credit counselor and receive a complimentary budget and debt consultation. To learn how to change your financial life call 1-800-769-3571
Nonprofit Consumer Credit Counseling, Debt Management, and Debt Consolidation American Consumer Credit Counseling (ACCC) provides nonprofit credit counseling, debt management plans, debt consolidation and financial education services to consumers nationwide. Our certified and professionally trained credit counseling team assists consumers by providing workable solutions for their financial problems. We offer debt relief to individuals and families that are suffering from stress related to credit card debt by providing effective credit counseling, helping to consolidate debt, and advising on debt management.