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New York

The Empire State has one of the largest economies in the country – in fact, if it were an independent nation, New York would be the 16th largest economy in the world. A wide variety of industry includes banking, finance, tourism, agriculture, and manufacturing.

Though New York has a high per capita personal income and a longtime successful economy, its residents still deal with the same credit card debt problems as other Americans. The average New Yorker holds $4,952 worth of credit card debt, and may be in need of credit counseling advice.

ACCC offers free accredited credit counseling and debt management advice. We also offer a debt management program to qualified individuals. All callers and applicants receive free debt advice and financial counseling.

You access our counseling services via telephone or apply online through our online application.

Testimonials from New York clients

"I encourage everyone to take advantage of this opportunity to get out from under credit card debt. People seem surprised when I tell them we do not use credit, but it is surprisingly easy and helps with budgeting.”
-Cherice M.

"I didn't realize how financially strained I was. If I didn't make the phone call and get the advice and help I received when I did, I would be in a horrible downward spiral.”
-Melissa B.

"Since I've joined this program, I feel like a great weight has been lifted off of my shoulders. This is a very good program and something that a lot more people could benefit from.”
-Terrence A.


1) On average, New York residents have $4,952 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 agency providing free credit debt counseling and debt management counseling as well as low-cost debt management and financial services to individuals and families. Our highly trained consumer debt counselors provide information and insight about the pros and cons of online debt consolidation and credit repair as well as debt settlement negotiation, legitimate debt consolidation services and other credit solutions. In contrast to debt consolidators, our debt management services help individuals get out of debt without taking on new loans. In addition to debt relief counseling, we provide housing and bankruptcy counseling, including pre filing credit counseling required to file for bankruptcy.

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