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American Consumer Credit Counseling (ACCC) is a nonprofit organization providing free credit counseling and debt settlement advice along with low-cost services to consumers interested in eliminating debt or negotiating credit card settlement. Our certified counselors help consumers understand the benefits of bankruptcy versus debt settlement and provide resources to help reduce or settle credit card debt most effectively. We can explain how debt settlement companies work and outline the debt settlement credit score impact and provide details about alternative ways to settle debt. Through credit counseling, consumers can get answers to questions like “How does debt settlement affect my credit?” and “Is debt settlement bad?” and learn how to settle credit card debt without damaging credit ratings.

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