Need to Get Out of Debt?
Call Now 800-769-3571
We can help!
ACCC can offer you Debt Management Counseling to help you:
- Reduce your interest rates and monthly payments by 30-50%
- Consolidate credit card bills into one simple monthly payment
- Bring an end to harassing calls from debt collectors
- 100% free consultation with a certified debt specialist
- Become Debt-Free (3 - 5 years in most cases)
ACCC is a trusted nonprofit organization serving consumers since 1991.
ACCC is not a loan company.
Schedule Your Free Debt Consultation
Call us at 800-769-3571 or fill out the form below.
Cary B Scott August 26, 2022 via Google
In Sept 2018 I had $99,782 in credit card debt. I contacted American Consumer Credit Counseling (ACCC) and entered into a consolidation program because they don't stop paying the debt to force a settlement. Instead they negotiated a lower interest rate with each of the creditors without hurting my credit rating. I worked a TON of overtime and denied myself many luxuries, such as vacations and...
See Full ReviewYour Ultimate Money Management App
Meet CreditU, the ultimate one-stop debt and financial management app! See your full financial overview, including debts, income, expenses, and savings.
Say goodbye to debt and financial stress, and join the CreditU community today!
Better Business Bureau A+ Rating
What is a Debt Management Plan (DMP)?
A debt management plan (DMP) is a type of repayment plan that's set up and managed by a non-profit credit counseling agency like ACCC. As part of our DMP, creditors may waive late and overlimit fees, lower interest rates, reduce monthly payments and bring passed due accounts current (also known as re-aging). With many DMPs, the goal is to have your debts fully repaid within three to five years, and in some cases sooner. Once you start the DMP, you'll make a single monthly payment to ACCC, we will then distribute the money to your creditors every month on time.
As Featured On
How We Can Help
How can we help you manage your credit? Our programs can help you take control of your financial life.
Get Started Now
Credit Counseling
We will help you determine the best way to approach your financial situation, and provide you the best credit counseling service options possible.
Bankruptcy Counseling
We can provide the mandated pre-filing bankruptcy counseling session to enable you and your legal counsel to make well-informed decisions.
Debt Settlement
We offer free credit counseling sessions with professionally certified counselors to choose the most advantageous path out of debt.
Debt Consolidation
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.
Debt Management
Our debt management program helps simplify your monthly unsecured debt obligations, consolidate your payments, and disburse funds to your creditors on your behalf.
Housing Counseling
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.
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 NowFinancial Resources & Tools
-
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 -
Understanding Credit
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
