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The Great Lakes State is the home of the American automobile industry and much of the research and development that fuels American innovation. Unfortunately, the recession has led to high unemployment rates, and many Michigan residents find themselves defaulting on loans and with debt problems. The average Michigan resident holds $4,558 worth of credit card debt and might find themselves in need of debt assistance.

ACCC offers free accredited credit counseling and provides debt counseling and credit consulting services to Michigan residents. We also offer a debt management plan to qualified individuals. The debt management advice and financial counseling are completely free of charge and callers are under no obligation.

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

Testimonial from Michigan clients

"The [counseling session] tools are very useful to me and I have already begun to implement them in my household budget. I am excited to be out of debt in 5 years!”
-Angela T.

"ACCC has given me a light at the end of the tunnel. I'm retired, living on a pension and social security. I couldn't make minimum payments, but ACCC will help me pay my debts in an honest and honorable way.”
-Ricki A. 

"My only regret is that I didn't contact you sooner. You have given us some peace of mind.”
-Matt P.






1) Michigan residents have an average of $4,558 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 company that provides consumers with credit counseling, debt management services and other valuable financial information. ACCC's home buyers guide includes information about the home buying process, with advice for first time buyers and current homeowners alike. Consumers can take ACCC's home buying seminar online and on mobile devices, working at their own pace to complete the course. The home buyers course provides the certification required to qualify and close on certain housing loans, including federal mortgages programs for those buying a house for the first time. ACCC also provides reverse mortgage information that includes answers to questions like "What is reverse mortgage?" and "Do I qualify for a reverse mortgage?"

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