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North Carolina

Originally built on a foundation of tobacco, textiles, and furniture making, the Tar Heel State has seen a revolution of energy, engineering, and biotechnology research thanks to the Research Triangle Park located between Raleigh, Durham, and Chapel Hill. Growth in the financial and education sectors have also brought billions of dollars to North Carolina’s ever-improving economy.

Though it has proven to be a great state for business, North Carolina’s unemployment rate is high for a state with so much industry. Residents have the fourth highest credit card debt in the country, at an average of $5,548 per person.

But through ACCC, you can receive free debt advice and financial counseling. We also offer a debt management plan to qualified individuals. Debt management advice sessions are completely free of charge and callers are under no obligation.

Please call our toll free number, or apply online through our online application.

Testimonials from North Carolina clients

"It's such a relief to have consolidated payments with lower interest rates and not worry about things like I was. Also, doing this through one phone call was an incredible relief. I appreciate the monthly updates and advice about how to improve."
-Katharine M.

"Everything the ACCC does is a benefit to me. They have saved my life. My goal is to play off all of my bills and be debt free. I thank ACCC for what they do to help people.”
-Audrey B.

 "Thank you so much to American Consumer Credit Counseling for helping me erase my debt! I joined almost 4 years ago and though I didn't owe as much money as some people, I felt overwhelmed . It was been a long journey and I have had a lot of help from different sources along the way. Though I still have a long way to go, I feel a sense of accomplishment! ACCC has taught me the skills to move forward and not get myself into debt in the future. Thanks for helping me get my credit card debt paid off and helping me learn how to spend my money sensibly.”
-Ava F.


1) North Carolina residents have the fourth highest average 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 leading source for personalized debt management advice and programs to consolidate your debt. If you are interested in consolidating debts, contact one of ACCC's credit advisors to learn how to consolidate bills without having to take a consolidation loan as would be suggested by some other debt relief agencies. As a Better Business Bureau accredited credit counseling agency, you can count on ACCC for fair and honest help with credit issues. We are also approved by the Department of Justice to provide pre-bankruptcy counseling and post-bankruptcy credit counseling courses.

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