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The Land of 1,000 Lakes was built on an industry of fur trading and agriculture. Though fur trading has fallen by the wayside, Minnesota is still the U.S.’s largest producer of sugar beets, sweet corn, peas, and turkeys. Forestry and mining is still strong in Minnesota, plus technology and biomedical research. The strong economic diversity, which mirrors the U.S.’s as a whole, has led to general prosperity and financial stability for its residents, who have high median incomes and per capita personal incomes.

But not all residents are so lucky. The average resident holds $4,541 worth of credit card debt. Those in debt likely need help getting out of debt, and that’s where ACCC comes in.

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

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

Testimonials from Minnesota clients

"ACCC is very helpful. I didn't know how I would be able to continue making payments that had high interest rates and late fees. By combining payments and getting the interest lowered, it made it manageable to meet my financial obligations.”
-Melanie P. 

"If we can keep up, the money saved in interest and time will be worth it. Plus seeing a light at the end of the tunnel helps us sleep better at night!"
-Diane S.

"I just need to say that I am amazed with ACCC. I have gone from $16,000 in credit card debt to debt-free in a little over four years. Thank you for everything you have done for me. I am now stress-free for life!"
-Greg W.


1) Minnesota residents have an average of $4,541 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 credit counseling, financial education and debt relief options for individuals and families with too much credit card debt or unsecured personal debt. Our certified credit counselors have helped thousands of consumers find credit card debt relief by learning how to reduce debt and how to get out of credit card debt. Our debt assistance services and debt management plans allow consumers to consolidate credit card bills into a single payment, and provide help with negotiating credit card debt in order to lower interest rates and finance charges, to ultimately eliminate debt through a credit card payoff plan.

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