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 COVID-19 Information from ACCC


License # 14-11

Nicknamed “The Old Line State,” Maryland is one of the wealthiest states in the country. It has the highest percentage of millionaires, compared to other states, and a high median household income. This is due to Maryland’s strong service sector, in areas like transportation and government, plus food production and agriculture.

Unfortunately, many Maryland residents still find themselves in tough financial positions. The average credit card debt per resident is one of the highest in the country, at $5,345.

ACCC provides residents of Maryland with free debt counseling, and we offer debt advice and financial counseling free of charge. We also offer a debt management plan to qualified individuals. Our counselors will discuss debt management advice with you, and help you make decisions that will get you back on the right track – free of charge.

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

In Maryland, credit counseling companies are governed by the Department of Labor, Licensing and Regulation, under the office of the Commissioner of Financial Regulation. Nonprofit credit counseling agencies are also registered with the Attorney General’s Office. ACCC has been registered in Maryland since 2002.

Testimonials from Maryland clients

"Making this call has turned my financial desperation into a sound plan of attack. I do not have an immediate solution to my problem, but I have a set of actions to take and priorities to adjust."
-Robert K.

"ACCC helping me during the MOST difficult time in my life and without their assistance I don't know where I would be today. I will continue and have recommended ACCC to others!"
-Lee B.

"I called thinking I needed someone to take control of my finances and the counselor made me realize I had control but I needed to get back on track and be more disciplined with myself. He gave me some immediate solutions that I have done and my mind is already at ease. I'm very thankful for the time he spent with me."
-Mary H.


Regulatory Contact:

Department of Labor, Licensing, and Regulation
Commissioner of Financial Regulation
500 North Calvert Street, Suite 402
Baltimore, MD 21202
(888) 784-0136

Charitable Division Contact:

Office of the Attorney General
200 St. Paul Place
Baltimore, MD 21202
Registration #17190


1) Maryland residents have an average of $5,345 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) is a nonprofit debt counseling agency offering free debt counseling services and a low-cost debt management services. As one of the nation's leading credit counseling agencies, our certified and highly trained credit counselors help individuals to understand the advantages and disadvantages of government debt consolidation programs, of a private debt consolidation program and of debt consolidation with bad credit. In contrast to a debt consolidation counseling agency or credit card counseling service, we help consumers find credit debt relief by determining the most effective way to pay off debt without taking on new loans.

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