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Though traditionally viewed as a farming state, the Hawkeye State boasts successful manufacturing, finance, and biotechnology sectors that continue to grow. Companies like 3M, ConAgra, Barilla, and Heinz, have helped bolstered Iowa’s economy and have made it into one of the most successful states for doing business. Iowa even has the lowest average credit card debt per person in the country, at $3,885.

Unfortunately, this does not mean its residents are immune to credit card problems. That’s still nearly $4,000 worth of credit card debt that people must contend with, and that’s where ACCC comes in.

We offer Iowans accredited credit counseling, and provide debt assistance and debt management advice free of charge. ACCC also offers a debt management plan to qualified individuals. The credit counseling session and financial counseling are completely free of charge and callers are under no obligation.

Please call our toll free number, or apply online through our online application.

Testimonials from Iowa clients

"This is an incredible service. I am grateful that you were there for me at a very low point. I can now see the "debt free" sign just ahead!”
-Susan W.

 "The counselor was extremely friendly, professional, and helpful. I was as comfortable as talking to her as I would be talking and getting advice from a family member. She boosted my confidence and assured me that every problem I have is fixable if I follow the steps and references she provided. On a scale of 1-10, I would rate your company a 20!”
-J. S.


1) Iowa residents have an average of $3,885 worth of credit card debt
2) Get a free credit counseling session
3) Pay off your debt in most cases within five years

American Consumer Credit Counseling (ACCC) provides nonprofit credit counseling, debt management services, credit relief and debt relief help to consumers nationwide. Our free credit counseling services help individuals and families learn how to manage debt more effectively and how to get rid of debt more quickly. Our certified credit counselors show consumers the various ways to pay off debt, and we offer affordable debt management programs for getting rid of credit card debt by consolidating debt payments. Our debt negotiation services help with managing credit card debt and paying off debt more quickly by reducing interest rates and finance charges. And our financial education services help consumers manage money more effectively, find reputable debt consolidation companies and answer questions like "How do you consolidate debt?"

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