Why Choose American Consumer Credit Counseling (ACCC)?

If you are considering credit counseling services, be sure to spend some time researching your options before signing up with an agency that you do not know much about. Having financial difficulties can be a very stressful situation for you and your family.  But choosing the right consumer credit counseling service to help you with your problems can turn your financial life around. Nonprofit credit counseling can be helpful to those struggling to pay off debt.

American Consumer Credit Counseling (ACCC) is a reputable non-profit credit counseling agency that has been helping individuals and families achieve financial stability since 1991. While there are many credit counseling agencies available, ACCC stands out for several reasons that make it a strong choice for those seeking financial guidance:

Why Choose ACCC?

Non-profit status: ACCC operates as a non-profit organization. This means our primary goal is to assist you in managing your finances, rather than generating profits for ourselves. This ensures that your financial well-being is our top priority.

Accreditation: ACCC is accredited by both the National Foundation for Credit Counseling (NFCC) and the Better Business Bureau with an A+ rating. This means that we adhere to strict standards of service quality and ethical practices. This in turn ensures that you receive professional and reliable assistance at all times.

Comprehensive services: ACCC offers a wide range of services tailored to address various financial issues. These include debt management plans , credit counseling services, financial education, and bankruptcy counseling. Our diverse offerings enable you to find the right solutions for your specific financial situation.

Certified counselors: ACCC employs certified credit counselors who have completed comprehensive training programs and are certified by recognized organizations. This guarantees that you receive professional guidance from experts with the necessary knowledge and experience to help you navigate your financial challenges.

Affordable fees: As a non-profit organization, ACCC aims to provide services at a low cost or even free of charge. They offer free credit counseling sessions and maintain transparent, reasonable fees for other services like debt management plans.

>> Important : ACCC charges a one-time $39* enrollment fee and $7* maintenance fee per account and there are never any hidden fees. In addition to this, fees may be waived or discounted depending on your state’s regulations, for financial hardship or if are you are an active service member in the United States military.
ACCC also provides educational programs at no cost to you as well as ongoing counseling and education. If you choose to work with ACCC, you can be assured we will work with you every step of the way and provide you with a workable and affordable plan.

Client-focused approach: ACCC provides personalized solutions based on your unique financial situation. Our certified counselors work closely with you to develop a customized plan that addresses your financial goals and needs.

Positive reputation: ACCC has a strong track record of successfully assisting clients in managing their finances. We have received positive reviews and testimonials, highlighting their commitment to providing effective financial solutions and excellent customer service.

Privacy and security: ACCC take the protection of your personal and financial information seriously. They have robust security measures in place to ensure that your data is safeguarded against unauthorized access.

More>> Why Choose ACCC’s Credit Counseling Services

The list does not end there. Here are some more reasons why ACCC should be your choice for your credit counseling as well as debt management needs.

  • 29 years of experience in the credit counseling industry.
  • Free counseling session including budget preparation and analysis of key financial indicators.
  • Face to face and telephone counseling.
  • Free financial education and materials.
  • Affordable debt management program fees. We are dedicated to keeping our fees as low as possible and waive or reduce fees depending on your state’s regulations or for financial hardships.
  • Help regardless of your ability to pay.
  • We recognize the importance of protecting personal identifying information submitted to us and it is our policy to ensure that all client information is held in the strictest of confidence.
  • Superior customer service.
  • Counselors that care about you and will work with you until your problems are solved.
  • Support and commitment are second to none.
  • We make ourselves available to assist you 6 days a week.
  • We handle everything for you, from the counseling process to payment of your funds.
  • You can count on us to get things done.
  • Ongoing support and counseling as long as needed.
  • Ease of online chat feature to get your questions answered confidentially and quickly.
  • Bilingual services available to the Spanish speaking community.
  • Certificate of Authority in all 50 states and licensed in 32 states that require licensing.

Learn More About ACCC's Credit Counseling Program

Are You Still Not Convinced?

Here’s what our clients have to say!


Positive client reviews are one of ACCC's biggest strengths.

ACCC is highly rated for its professional credit counseling services and knowledgeable, certified credit counselors.


American Consumer Credit Counseling stands out as a reliable and reputable choice for those seeking financial guidance. Our non-profit status, accreditation, comprehensive services, certified counselors, affordable fees, client-focused approach, positive reputation, and commitment to privacy and security make them an excellent option for you and your families looking to regain control of their financial lives.

Talk to a Certified Credit Counselor Today!