Across a large and economically diverse metro like Houston, rising everyday expenses can make credit card balances and high interest charges increasingly difficult to manage. American Consumer Credit Counseling (ACCC) provides nonprofit guidance to help local households assess their finances and consider a more structured approach to repayment.
Benefits may include:
- Guidance from a certified credit counselor
- One monthly payment when enrolled in a Debt Management Program
- Potential interest-rate and fee reductions through participating creditors
- A repayment structure based on your financial situation
- Practical budgeting support and financial education
Recent LendingTree data shows that Texas cardholders carried an average of $8,394 in credit card debt in Q3 2025, an increase of 0.9% year over year. That state-level average was higher than the national average of $7,886.
Get Debt Management Help in Houston, TX TodayCredit Counseling & Debt Management in the Houston Metro Area
ACCC helps Houston-area residents take a detailed look at their income, living expenses, credit card balances, and monthly obligations. During a confidential counseling session, a certified credit counselor can explain available options and help determine whether a Debt Management Program may be appropriate.
Counseling is available by phone and online. Appointment-based in-person counseling is also available at the Houston location.
How it Works
Step 1: Start with the short form or a phone call
Complete the secure online form or call (877) 440-1773 to begin. You will provide basic information about your financial situation and the debts you would like to address.
Step 2: Review your debt management options
A certified credit counselor will discuss your budget, credit card accounts, current payments, and financial goals. You will receive an explanation of possible next steps based on the information you provide.
Step 3: Move forward with a structured repayment plan
When a Debt Management Program is a suitable option, ACCC can help you begin a structured repayment process. A DMP may combine eligible credit card bills into one monthly payment and may provide reduced interest rates or fees through participating creditors. Results depend on creditor participation and individual circumstances.
Why Choose ACCC?
American Consumer Credit Counseling is a nonprofit credit counseling agency that has served consumers since 1991. ACCC is a member of the National Foundation for Credit Counseling and maintains an A+ rating with the Better Business Bureau.
- Free, no-obligation nonprofit credit counseling
- Guidance from certified credit counselors
- A confidential review of your household budget and unsecured debt
- Debt Management Program options when appropriate
- One monthly payment when enrolled in a DMP
- Potential interest-rate and fee reductions through participating creditors
- Phone, online, and appointment-based counseling options
Houston Credit Counseling FAQs
Can I get credit counseling if I live in Houston?
Yes. ACCC provides credit counseling to Houston residents by phone and online. Appointment-based in-person counseling is also available at the local office.
Can ACCC help lower my credit card interest rates?
If you qualify for and enroll in a Debt Management Program, participating creditors may agree to reduce interest rates or certain fees. These benefits are not guaranteed and vary by creditor and account.
What does a Debt Management Program do?
A Debt Management Program is a structured way to repay eligible unsecured debts. When enrolled, you make one monthly payment to ACCC, and ACCC distributes the appropriate amounts to participating creditors according to the program schedule.
Is ACCC a debt settlement company?
No. ACCC is a nonprofit credit counseling agency. Debt settlement companies commonly seek to negotiate balances after payments have been withheld, while ACCC focuses on budgeting, financial education, and structured repayment of enrolled debt.
Do I need to visit the Houston office in person?
No. Houston residents can complete credit counseling by phone or online. In-person counseling is available by appointment for those who prefer to meet at the local office.
Is online credit counseling available to Houston residents?
Yes. Online counseling allows Houston residents to begin from home, review their financial information, and explore available debt management options without visiting the office.
Get Debt Management Help in Houston, TX TodayHours and location:
ACCC Houston Address:
1201 Fannin Street
Suite 262
Houston, TX 77002
Phone: 877-440-1773
American Consumer Credit Counseling Houston, TX Hours (CT)
Monday – Thursday: 8:00 AM – 9:30 PM CT
Friday: 8:00 AM – 7:00 PM CT
Saturday: 9:00 AM – 8:00 PM CT
Sunday: Closed
In-person counseling is by appointment only. Please call 877-440-1773 to schedule a session with a certified counselor.
Holiday hours may vary.
Texas Client Review – American Consumer Credit Counseling
“ACCC, My counselor was very patient and polite. This was important to me in discussing my financial situation and she explained the options they assist with. The versatility of the program was so easy to understand. She told me what my payments would be instantly. She was very detailed in explaining how everything works and I never felt like my feet were being held to the fire. They offer a wealth builder program while going through financial hardship program. She let me know while paying your bills you will save money through the wealth builder program. There is a monthly maintenance fee. There is an initial one time fee and all for me under a hundred dollars. She also explained something to me in my mature age I never heard before and that is why paying off my credit card and then closing it “why it didn’t help my score”. No one ever explained the why’s until today.” – Sandra, B. – Client from Tx
