American Consumer Credit Counseling (ACCC) is a nonprofit agency providing free credit counseling and credit card debt counseling as well as low-cost financial counseling services for individuals and families carrying too much debt. Consumers can work with a certified and highly trained credit counselor or debt consultant to understand their financial situation, consider ways of consolidating credit card debt and make a plan to get out of debt for good. Our debt management services provide debt consolidation help and consolidated debt relief by consolidating payments rather than loans. We offer lots of information about credit counseling online, as well as information about the pros and cons of a debt settlement agreement. We also provide bankruptcy counseling and information about life after bankruptcy.