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State Licenses & Disclosures

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Name: American Consumer Credit Counseling, Inc.
Address: 130 Rumford Ave., Suite 202, Auburndale, MA 02466
Toll-Free: 800-769-3571
Local: 617-559-5700
Fax: 617-244-1116
Email: info@consumercredit.com

Alabama
License # SC 322

Alaska
License # 716577

Arizona
License # DM - 0905127
AMERICAN CONSUMER CREDIT COUNSELING, INC. IS NOT A LOAN COMPANY.

Arkansas
Registered as required

California
Registered as required

Colorado
License # 000030
The establishment of a DMP may adversely affect the individual's credit rating or credit scores, and nonpayment of debt may lead creditors to increase finance and other charges or undertake collection activity, including litigation.

Connecticut
License # DNAP-913275

Delaware
License # 07-07
The establishment of a DMP may adversely affect the individual's credit rating or credit scores, and nonpayment of debt may lead creditors to increase finance and other charges or undertake collection activity, including litigation.

District of Columbia
Registered as required

Florida
Registered as required

Georgia
Registered as required

Hawaii
Registered as required

Idaho
License # CDC-8759

Illinois
License # DM.0000179
American Consumer Credit Counseling, Inc. does not lend money.

Indiana
License # 9412
American Consumer Credit Counseling, Inc. does not lend money.

Iowa
Registered as required

Kansas
License # CSO.0000004
Licensed by the Office of the State Bank Commissioner of Kansas

Kentucky
Registered as required

Louisiana
Registered as required

Maine
License # DMS5618

Maryland
License # 5137366
The Commissioner of Financial Regulation for the State of Maryland will accept any questions and complaints from Maryland residents regarding American Consumer Credit Counseling, Inc. 130 Rumford Avenue Suite 202 Auburndale, Massachusetts 02466.

Massachusetts
Registered as required

Michigan
License # 0010575
Licensed by the Department of Insurance and Financial Services

Section 13

(1) When a licensee establishes a debt management plan for a debtor, the licensee may charge and receive an initial fee of $50.00.

(2) A licensee shall attempt to obtain consent to participate in a debt management plan from at least 51%, in number or dollar amount, of the debtor's creditors within 90 days after establishing the debt management plan. If the required consent is not actually received by the licensee, the licensee shall provide notice to the debtor of the lack of required consent and the debtor may, at its option, close the account. If the debtor decides to close the account, any unexpended funds shall be returned to the debtor or disbursed as directed by the debtor. Section 14(1)

A contract between a licensee and debtor shall include all of the following:

a) Each creditor to which payments will be made and the amount owed each creditor.
b) The total amount of the licensee’s charges.
c) The beginning and termination dates of the contract.
d) The principal amount and approximate interest charges of the debtor’s obligations to be paid under the debt management plan.
e) The name and address of the licensee and of the debtor.
f) Any other provisions or disclosures that the director determines are necessary for the protection of the debtor and the proper conduct of business by a licensee.

Section 18

(1) In addition to the fee described in section 13(1), a licensee may charge a reasonable fee for providing debt management services under a debt management plan. The fee under this subsection shall not exceed 15% of the amount of the debt to be liquidated during the express term of the plan.

(2) A licensee may offer a debtor the option to purchase credit reports or educational materials and products, and charge a fee to the debtor if the debtor elects to purchase any of those items from the licensee. Fees charged under this subsection are not subject to the 15% limitation on fees described in subsection (1).

(3) Except for a cancellation described in subsection (4), in the event of cancellation of or default in the performance of the contract by the debtor before its successful completion, a licensee may collect $25.00 in addition to any fees and charges of the licensee previously received by the licensee. This $25.00 fee is not subject to the 15% limitation on fees and charges under subsection (1).

(4) A contract is in effect when it is signed by the licensee and the debtor and the debtor has made a payment of any amount to the licensee. The debtor has the right to cancel the contract until 12 midnight of the third business day after the first day the contract is in effect by delivering written notice of cancellation to the licensee. A cancellation described in this section is not subject to, and a licensee shall not collect, the fee described in subsection (3).

(5) If a debtor fails to make a payment of any amount to a licensee within 60 days after the date a payment is due under a contract, the licensee may, in its discretion, cancel the debt management contract if it determines that the plan is no longer suitable for the debtor, the debtor fails to affirmatively communicate to the licensee the debtor's desire to continue the plan, or the creditors of the debtor refuse to continue accepting payments under the plan.

(6) A licensee shall not contract for, receive, or charge a debtor an amount greater than authorized by this act. A person that violates this subsection, except as the result of an inadvertent clerical or computer error, shall return to the debtor the amount of the payments received from or on behalf of the debtor and not distributed to creditors, and, as a penalty, an amount equal to the amount overcharged.

Department of Insurance and Financial Services
530 W. Allegan Street, 7th Floor
Lansing, MI 48933
517.284.8800 or 877.999.6442 (toll-free)

Minnesota
License # MN-DM-913275

Mississippi
Licensed # 1

Missouri
Registered as required

Montana
License # 2016-103

Nebraska
Registered as required

Nevada
License # DMSM11033
The establishment of a DMP may make it harder for the individual to obtain credit.

New Hampshire
License # 10928-DA

New Jersey
License # L065731
Licensed by the New Jersey Department of Banking

New Mexico
Registered as required

New York
Licensed by the New York State Department of Financial Services

North Carolina
Registered as required

North Dakota
Registered as required

Ohio
License # 200325203064

Oklahoma
Registered as required

Oregon
License # DM-80038

Pennsylvania
License # 28199

Rhode Island
License # 20051926DM
The establishment of a DMP may adversely affect the individual's credit rating or credit scores, and nonpayment of debt may lead creditors to increase finance and other charges or undertake collection activity, including litigation.

South Carolina
License # CC-0606500-0606500

South Dakota
Registered as required

Tennessee
License # 29
The establishment of a DMP may make it harder for the individual to obtain credit. American Consumer Credit Counseling, Inc. is registered with the Division of Consumer Affairs as a debt management service provider.

Texas
License # DM06-10001

Utah
License # 6725614-DBTM
The establishment of a DMP may make it harder for the individual to obtain credit.

Vermont
License # DA-16
Licensed in Vermont by the Department of Financial Regulation

Virginia
License # DC-33
Licensed by the Virginia State Corporation Commission.

Washington
Registered as required

West Virginia
Registered as required

Wisconsin
License # 121

Wyoming
Registered as required

American Consumer Credit Counseling (ACCC) is a leading source for personalized debt management advice and programs to consolidate your debt. If you are interested in consolidating debts, contact one of ACCC's credit advisors to learn how to consolidate bills without having to take a consolidation loan as would be suggested by some other debt relief agencies. As a Better Business Bureau accredited credit counseling agency, you can count on ACCC for fair and honest help with credit issues. We are also approved by the Department of Justice to provide pre-bankruptcy counseling and post-bankruptcy credit counseling courses.

Better Business Bureau Mass Housing Approved National Industry Standards for Homeownership Education and Counseling Council on Accreditation NFCC Member