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The Aloha State is a tropical paradise unlike any other state in the union. The lush beaches and relaxed way of life have attracted tourists from all over the world, which has formed the foundation of the Hawaiian economy. The economy is also bolstered by food exports, like coffee and pineapple, and the US military base stations.

However, its isolation and quality of life has led to extremely high cost of living. Hawaii has the highest home value of all states, which has led to the highest average mortgage balances as well. As a result, many Hawaiians find themselves struggling with credit problems and need help getting out of debt.

ACCC offers free credit consulting services, and provide accredited credit counseling and debt advice free of charge. As one of the top approved credit counseling agencies, we offer a debt management plan to qualified individuals. The credit counseling session and budget consultation are completely free of charge and callers are under no obligation.

Residents of Hawaii can call our toll free number, or apply online through our online application.

Testimonials from Hawaii clients

“When contacting ACCC's agents they have always been very friendly. Thank you ACCC. I will always tell others in debt of the trust I have in your program!”

-Jennette Z.


1) Hawaii has the highest average mortgage balances 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 provides free credit counseling and low-cost solutions for managing debt and learning how to become debt free. The certified credit counselors in our debt relief center have helped thousands of individuals and families create plans for lowering credit card debt or eliminating personal credit card debt altogether. In our initial credit counseling sessions, our counselors thoroughly review a client’s financial situation before discussing all available options. Counselors can provide debt settlement advice or explain how a debt settlement program works, compare debt forgiveness and debt management plans, offer suggestions for dealing with debt recovery companies, and answer questions about debt consolidation qualifications. ACCC also provides debt management services with a fee structure that is among the lowest in the industry.

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