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Big Sky Country is one of the largest states in the Union, yet has one of the lowest populations due to its sprawled out nature and mountains. Montana’s economy is based on the lumber and mineral industries, as well as tourism. Despite a low unemployment rate, per capita personal income is one of the lowest in the country, which can lead to money problems for those in debt. On average, Montana residents have roughly $4,565 worth of credit card debt per person.

Residents of Montana can receive debt management advice from ACCC, an approved credit counseling agency. Callers receive accredited credit counseling and financial counseling free of charge. We also offer a debt management plan to qualified individuals. Debt advice sessions are completely free and callers are under no obligation.

Residents of Montana can call our toll free number, or apply online through our online application.

Testimonials from Montana clients

"We are so glad we signed up for ACCC. Each month we watch our debt go down and our savings go up.”
-Lela S.

"With the reduced interest rates and monthly payments, I have been able to establish a reasonable spending budget and accumulate additional cash with which to make additional payments. Now I can sleep peacefully at night.”
-M. B. 

“I was drowning in credit card debt, with interest rates skyrocketing out of control! I don't know what I would have done without your services. You just disbursed my LAST payment and I am debt free! In less than 4 years, I went from more than $17,000 of credit card debt to zero."
-Deborah L.


1) Montana has one of the lowest average per capita incomes in the country
2) Get a free credit counseling session
3) Pay off your debt in most cases within five years

American Consumer Credit Counseling (ACCC) provides nonprofit credit counseling and debt reduction services for consumers with credit problems who want to know how to pay off credit cards and how to get out of debt. Our certified credit counselors have helped thousands of individuals and families nationwide pay off credit card balances and unsecured debt through credit card relief programs and credit card debt solutions. Our debt management plans provide a kind of personal debt consolidation strategy for help getting out of credit card debt, and we offer a wide variety of financial education services to consumers who need help getting out of debt and managing their finances more effectively.

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