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The Sunshine State boasts the fourth largest economy in the country, with a 2010 GDP of $748 billion. Its tourism industry, along with construction, international banking, and aerospace and defense, have all contributed to the state’s impressive economic development. However, Florida has four cities in the top 25 American cities with the most credit card debt. It also has the highest mortgage delinquency rate and second highest credit card delinquency rate – this is why Floridians are often in need of credit card debt relief and debt assistance programs.

Florida residents can receive free accredited credit counseling, help with debts, and debt assistance from ACCC. We also offer our debt management plan to those who qualify.

Our counselors provide these credit counseling services via telephone and the internet. You can call us directly, or apply online through our online application

Testimonials from Florida clients 

“[The ACCC] reps didn't make me feel ashamed, but gave me hope. ACCC was more than willing to help me get back on track. They did this with professionalism. I never once felt like I was being judged for my situation. I indeed owe my future rebuilding to ACCC.”
-Christine H. 

“ACCC services have proven invaluable in getting my debts on track and manageable. It also allows me to have an end date in sight. I will be debt free and be able to retire without so many fears.”
-Claudine S. 

"This is a great program. It has helped me eliminate my debt, and move forward with my finances! I appreciate this program, and truly believe I would still be in debt up to my neck if I hadn’t joined. It's been one year and I'm already more than half way debt free. Thank you ACCC!”
-Rebekah M.


1) Florida residents have the second highest credit card delinquency rate 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) offers nonprofit credit counseling and debt relief programs for consumers nationwide who find themselves drowning in debt and wondering "How do I get out of debt?" Our certified credit counselors have helped thousands of individuals and families learn how to reduce credit card debt and get out of debt through a variety of credit reduction strategies. Our credit card debt consolidation and debt management plans help achieve credit card relief by consolidating credit cards payments to pay credit card debt down more quickly. We also offer bankruptcy counseling, housing counseling and other financial education services.

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