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The Bay State boasts one of the highest per capita personal incomes in the country and is regularly recognized as one of the best states in the country for business. The economy is based on higher education, technology, finance, and tourism, as well as some agriculture and seafood. Though the state’s economy is strong, many of its residents are feeling the pinch from credit card debt. The average Massachusetts resident carries $5,142 worth of debt.

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

Additionally, ACCC provides free local community workshops covering such topics as budgeting, identity theft, credit, savings, and youth financial literacy.

Massachusetts residents can call our toll free number, or apply online through our online application.

Testimonials from clients from Massachusetts

"Through a difficult change in my life, I assumed enormous debt and didn't know which direction to turn to. I investigated other organizations that work with debt issues and after all the research and speaking with this staff, I found the professionalism and knowledge that your company provides cannot be matched by anyone else and you continue to prove this as I move along in getting back to a normal life.”
-Paul V.

"The counselor I spoke with was so nice to me and so understanding and sympathetic to my situation. For once I did not have to feel embarrassed about my situation. She made me feel comfortable and like I am not alone in my financial struggle. I really felt like ACCC wants to help me, above all else.”
-Dawn L.

"Great quality service, allows you to better control your finances. You are doing an excellent job for me and my family, and I'm really happy I got to know you and enrolled in your financial assistance program. It's been helping with the budgeting and other financial aspects of our home.”
-Daniel L.

3 Reasons to Fill Out Our Form and Speak with an ACCC Certified Credit Counselor:

1) Massachusetts residents have high cost-of-living expenses
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 not-for-profit agency that offers credit counseling, housing counseling and other financial services to individuals and consumers nationwide. ACCC also offers a home buyers class and first time home buyer guide that provide help for first time home buyers as well as consumers getting back into the real estate market. ACCC's homebuyer education course provides comprehensive education and home buying tips on everything from choosing a realtor to closing on a new home. Available online and on mobile devices, ACCC's first time home buyer course provides a certification necessary to qualify and close on certain types of mortgage loans. ACCC also offers reverse mortgage info, including details on qualifying for a reverse mortgage and answers to questions like "What is a reverse mortgage?" and "How do reverse mortgages work?"

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