In Phoenix, everyday budgets can feel tighter when credit card balances, housing affordability pressure, and rapid population growth all compete for the same paycheck. American Consumer Credit Counseling offers nonprofit support for people who want a more manageable way to pay off credit card debt.
Benefits of a plan with American Consumer Credit Counseling may include:
- Guidance from certified credit counselors
- A structured repayment plan if a Debt Management Program (DMP) is right for you
- One monthly payment if enrolled in a DMP
- Potential interest or fee reductions through participating creditors
- Free, confidential nonprofit credit counseling
According to LendingTree, average credit card debt in Arizona was $8,307 in Q3 2025, up 5.90% year over year. That state-level average is higher than the national average of $7,886.
Get Debt Help in Phoenix Today
Credit Counseling & Debt Management in Phoenix
ACCC works with Phoenix residents who want to take a closer look at their credit card debt, monthly income, expenses, and repayment options. During a counseling session, a certified credit counselor can help you evaluate your budget and determine whether a Debt Management Program may be a good fit.
Counseling is available by phone, online, and by appointment for in-person support at the Phoenix 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.
Step 2: Review your debt management options
A certified credit counselor will go over your financial situation and explain possible next steps based on your budget and debt.
Step 3: Move forward with a structured repayment plan
If a Debt Management Program is appropriate, ACCC can help you start a plan with one low monthly payment to simplify repayment.
Why Choose ACCC?
ACCC is a nonprofit credit counseling agency focused on helping consumers repay debt responsibly through education, counseling, and structured repayment options.
- Free nonprofit credit counseling
- Certified credit counselors
- Confidential budget and debt review
- Debt Management Program (DMP) options
- One monthly payment if enrolled in a DMP
- Potentially reduced interest rates and fees through participating creditors
- Phone, online, and appointment-based counseling options for Phoenix, AZ residents
Phoenix Credit Counseling FAQs
Can I get credit counseling if I live in Phoenix?
Yes. Phoenix residents can receive nonprofit credit counseling from ACCC by phone, online, or through an appointment-based in-person visit. ACCC is licensed to provide credit counseling and debt management services in Phoenix, AZ.
Can ACCC help lower my credit card interest rates?
If you qualify for a Debt Management Program, participating creditors may reduce interest rates or certain fees. Results depend on your creditors and individual situation.
What does a Debt Management Program do?
A Debt Management Program may combine multiple unsecured credit card payments into one monthly payment. It is designed to help you repay debt through a structured plan.
Is ACCC a debt settlement company?
No. ACCC is a nonprofit credit counseling agency. ACCC does not encourage consumers to stop paying creditors or promise to settle debt for less than owed.
Do I need to visit the Phoenix office in person?
No. Many people complete credit counseling by phone or online. In-person counseling is available by appointment only.
Is credit counseling available online for Phoenix residents?
Yes. Phoenix residents can access ACCC’s credit counseling services online and receive guidance from a certified credit counselor remotely.
Get Debt Help in Phoenix Today
Hours and location:
ACCC Phoenix Office – Address:
20 E Thomas Road,
Suite 2200
Phoenix, AZ, 85012
Phone: 877-440-1773
American Consumer Credit Counseling Phoenix, AZ – Hours (MT)
Monday – Thursday: 7:00 AM – 8:30 PM MT
Friday: 7:00 AM – 6:00 PM MT
Saturday: 8:00 AM – 7:00 PM MT
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.
Client Review on American Consumer Credit Counseling – Phoenx AZ
“I’ve had a really good experience working with this credit counseling company while starting my debt management plan. The process can feel overwhelming, but they were kind and supportive the entire time. My credit counselor especially was so patient and took the time to explain everything clearly, which made a huge difference for me. I never felt judged or rushed, and I genuinely felt supported. I would definitely recommend them to anyone looking for help with debt..” – Hiba, A., Client in Phoenix, AZ
