Our ACCC Debt Management Program Can Help You:
Reduce interest rates & stop late and over the limit fees
Consolidate your debt into one easy monthly payment
Pay off your debt in most cases within 5 years
Develop a workable budget that you can live with
About American Consumer Credit Counseling (ACCC):
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.Get Started Now
Our Debt Programs
How can we help you manage your credit? Our programs can help you take control of your financial life.Get Started Now
We will help you determine the best way to approach your financial situation, and provide you the best credit counseling service options possible.
Our debt management program helps simplify your monthly unsecured debt obligations, consolidate your payments, and disburse funds to your creditors on your behalf.
We can provide the mandated pre-filing bankruptcy counseling session to enable you and your legal counsel to make well-informed decisions.
ACCC’s housing counselors are available to assist you in all aspects of your housing needs. We provide reverse mortgage counseling, homebuyer education and certification, and foreclosure counseling.
Student Loan Counseling
We can help you explore your options regardless of how much you owe or your loan status.
We offer free credit counseling sessions with professionally certified counselors to choose the most advantageous path out of debt.
With our debt consolidation plan, you will be able to combine most, if not all of your unsecured debt and make one single monthly payment.
- "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."
- "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."
- "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."
- "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!"
Budgeting Tips and Tricks
A budget is the cornerstone of responsible financial planning. It shows exactly how much money you have and where it’s being spent. Use our compiled helpful resources, tips, and tools to help you understand and create a successful budget.Explore
Credit is a convenient way to pay for things, but knowing how to manage and maintain good credit can be very challenging. Check out our find informative articles that will help you learn all about maintaining good credit.Explore
Calculators to help manage your money
Use ACCC’s financial calculators to help you better track and budget your income and expenses to help you better manage your money.Explore
How to prepare for retirement
In your golden years? It’s important that you are knowledgeable about your financial situation so you are prepared to lead a financially healthy life. Get our checklist to help you with your preparations.Explore