American Consumer Credit Counseling (ACCC) is a nonprofit organization helping individuals and families regain financial stability since 1991. We provide free credit counseling sessions and affordable Debt Management Plans (DMPs) to residents across Ohio — including right here in Cleveland.
According to a recent LendingTree study, the average credit card debt in Ohio is $6,345 as of Q1 2025, a 6.5% increase over the previous year. While this is lower than the national average of $7,321, rising interest rates make repayment more challenging for many Cleveland households. Cleveland, OH, has long been a city of resilience, adapting to economic shifts from its industrial heyday to the present. The rising cost of living, property tax burdens, and employment fluctuations continue to shape the city’s economic health, leaving many households searching for financial stability.
Why Cleveland, OH Residents Choose ACCC?
For over 30 years, ACCC has helped thousands of Americans successfully pay off debt and improve their credit. Cleveland residents trust ACCC because we combine national expertise with personalized service.
Our certified credit counselors take time to understand your unique financial situation and create a plan that works for your budget and goals. Whether you’re:
- Struggling with high-interest credit card debt
- Juggling multiple monthly payments
- Or simply want to improve your credit standing
…ACCC provides clear guidance, proven strategies, and ongoing support every step of the way.
What makes ACCC different?
- Free, no-obligation credit counseling
- Constantly work with creditors to lower interest rates & reduce monthly payments as part of the personalized DMP
- Certified counselors with deep knowledge of Ohio’s economy
- BBB A+ rating and NFCC-accredited
Cleveland, OH Frequently Asked Questions (FAQs)
What is the average credit card debt in Ohio?
As of Q1 2025, Ohio residents carry an average of $6,345 in credit card debt (Source: LendingTree).
Does ACCC offer credit counseling in Cleveland, OH?
Yes. We provide phone, online, and in-person counseling for residents of Cleveland and across Ohio.
How does a Debt Management Plan (DMP) help?
A DMP can lower your interest rates, consolidate multiple payments into one, and help you pay off debt faster — without taking on new loans.
Are in-person appointments available in Cleveland?
Yes. Our Cleveland office offers in-person credit counseling by appointment. Call ahead to schedule a session with a certified counselor.
How Can I Get In Touch With ACCC?
Phone Counseling: Speak with a certified credit counselor on 877-440-1773
Online Counseling: Get Debt Help today . Start by filling in the form and a certified counselor will reach out to you.
What Happens When I Call ACCC?
- Speak directly with a certified credit counselor
- Review your income, debts, and goals
- Receive a free no obligation financial counseling session
- Set up a Debt Management Plan (DMP) if it’s right for you
- Pay off your debt in most cases within five years
Hours and location:
ACCC Cleveland Address:
600 Superior Ave
Suite 1300
Cleveland, Ohio, 44114
Hours:
In-person counseling is by appointment only. Please call us at 877-440-1773 to schedule an appointment with a certified counselor.
Appointments are available: Monday through Friday 9am to 3 pm
Trusted by Clients Nationwide
“The experience and professional was outstanding. Didn’t feel bad for the decisions made In the past. Glad there was a program out there that actually was willing to help.”— Client in Ohio
