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With investments in industries like aerospace, education, healthcare, and banking. Alabama’s economy is bolstered by a combination of innovation and traditional agriculture. Its largest employers are the Redstone Arsenal, the University of Alabama at Birmingham, and the Maxwell Air Force Base. The Cotton State is known for its poultry and eggs, cattle, fish, peanuts, and of course, cotton.

But though the state has many resources, median income is only $40,000, ranking the state 46th in the nation. This low income can lead to credit problems and the residents may find themselves drowning in debt.

We offer residents of Alabama debt solutions, debt assistance programs, consumer credit solutions, and financial education. Our debt management plan is available to qualified individuals.

Our certified credit counselors provide Alabama residents with consumer credit counseling services in the comfort of their own homes via telephone and the internet. You can call us directly, or apply online. Your privacy is assured.

Testimonials from some of our Alabama clients

"ACCC helped me when I had nowhere else to get help. This has lifted a burden from me. Thank you.
-Patricia R."

“[ACCC's Debt Management Program is] a wonderful tool to put you back on the right road! [It has been an] extremely excellent experience!”
-D. C.


1) Alabama residents have one of the lowest median incomes in the country
2) Get a free credit counseling session
3) Pay off your debt in most cases within five years

American Consumer Credit Counseling, a not-for-profit organization, is dedicated to helping consumers lower credit card debt and learn how to be debt free in the future. We offer free credit counseling where our highly trained credit counselors review consumers’ finances and credit card debt problems¸ offer credit card debt advice, and help to find the best strategy for paying down credit card debt. Counselors can also provide education around many common debt reduction strategies, including debt management, credit card debt settlement, bankruptcy, and debt negotiation services. We can compare the advantages and disadvantages of debt consolidation vs. debt settlement plans offered by debt reduction companies, and help consumers choose the plan best suited to their financial situation.

American Consumer Credit Counseling - Consolidate Debts - Better Business Bureau American Consumer Credit Counseling - Consolidate Debts - Mass Housing Approved National Industry Standards for Homeownership Education and Counseling American Consumer Credit Counseling - Consolidate Debts  - Council on Accreditation American Consumer Credit Counseling - Consolidate Debts  - NFCC Member