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New Jersey

The Garden State is one of the wealthier states in the nation, with a high per capita income and the second largest number of millionaires per capita in the U.S. The economy is based on the pharmaceuticals, finance, chemical development, factories, agriculture, and tourism.

But many of its residents still feel the pinch of debt – the average New Jersey resident has $5,484 worth of credit card debt. This leaves many in need of debt assistance in the form of a credit advisor, and that’s where ACCC comes in.

New Jersey residents can receive accredited credit counseling, debt advice, and financial counseling. There is no obligation to the debt counseling. We also offer a debt management plan to qualified individuals.

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

Testimonials from New Jersey clients

"Your representatives/counselors were very friendly and knowledgeable. It makes a huge difference when deciding to enter the program, especially when entering is normally a very hard and stressful time.”
-Jennifer R. 

"The counselor was very compassionate and helpful. Budgeting totally opened my eyes. The financial plan developed was very simple and concise. I was completely satisfied with my telephone counseling session. It opened my eyes to what needs to be done and put me on the right path going forward.”
-Karen B.

"My counselor allowed me plenty of time to discuss my situation and work with me. If I knew that I was going to be treated so well, I would have called earlier."
-Michael K.


1) On average, New Jersey residents have $5,484 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 nonprofit credit counseling, debt management services, credit relief and debt relief help to consumers nationwide. Our free credit counseling services help individuals and families learn how to manage debt more effectively and how to get rid of debt more quickly. Our certified credit counselors show consumers the various ways to pay off debt, and we offer affordable debt management programs for getting rid of credit card debt by consolidating debt payments. Our debt negotiation services help with managing credit card debt and paying off debt more quickly by reducing interest rates and finance charges. And our financial education services help consumers manage money more effectively, find reputable debt consolidation companies and answer questions like "How do you consolidate debt?"

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