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Arkansas, or “The Natural State,” is the home of six Fortune 500 companies, including Walmart. Many residents give heavily to charity (6.3 percent of discretionary income), making it one of the top states for charitable giving. Though it ranks as the 20th best state for business and the second lowest cost of doing business, Arkansas’s three-year median household income is the second lowest in the country, leading to consumer debt and many residents in need of debt assistance. The average Arkansan holds $4,535 of credit card debt.

We offer residents of Arkansas accredited credit counseling, debt assistance programs, financial education, and offer also our debt management plan to qualified individuals.

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

Testimonials from some of our Arkansas clients

“The professionalism is so appreciated. We felt so ashamed that our finances were in such bad shape. The personnel were so helpful and always made me feel as though my account was important to them. They never made me feel ashamed and that was GREATLY appreciated.”
-Cassandra W.

“This program has allowed us to get back on track. We look back now and say "How did we get over $26,000 in credit card debt?" Now, with only 2 years left in the program, we are feeling good and seeing our progress. We are not using any credit cards, so when we are finished paying these off, we will have an extra $577/month to put in savings! Thank you!”
-A. W. 

“Happy to see the light at the end of the tunnel!”
-Amber C.


1) Arkansas' three-year median income is one of the lowest 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 (ACCC) is one of the top nonprofit debt consolidation companies in the U.S., with more than 22 years' experience helping individuals and families consolidate credit card debt and improve their credit management skills. If you're wondering "How does debt consolidation work?" and "How can I consolidate my bills?", we can provide you with debt consolidation information to show you exactly how we can help you consolidate debt without having to borrow money or pay steep fees. If you're considering bankruptcy, we are also one of the approved credit counseling agencies for issuing a pre-bankruptcy certificate as well as providing the post-bankruptcy credit counseling course.

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