American Consumer Credit Counseling Service
Our certified credit counselors will help you determine the best way to approach your financial situation and provide you the best options for managing your credit card debt.
We will assist in analyzing your current financial situation, providing personalized options based on your goals, and recommending the optimal debt management plan to achieve financial stability. The credit counseling solutions we provide offer our members long-term financial success, as well as short-term debt management programs and debt consolidation.
Our debt management program helps simplify your monthly unsecured debt obligations. Examples of unsecured debt include credit cards, department store cards, collection agencies, credit lines, and unsecured personal loans. Once you have enrolled in our debt management program, we will consolidate your payments and disburse funds to your creditors on your behalf.
As part of our debt management program, our credit counseling specialists will assist you in effective debt consolidation. Debt consolidation is an important step in lowering monthly payments to creditors and collection agencies. Unlike a debt consolidation loan, you do not borrow money. Credit card debt consolidation under a debt management plan provides you with one easy payment.
If you're planning to file for bankruptcy, the law requires that you complete a pre-bankruptcy counseling session with an approved credit counseling agency. American Consumer Credit Counseling is an approved bankruptcy credit counseling agency, authorized by the US Trustee Program of the Department of Justice. In addition to obtaining a bankruptcy certificate before your bankruptcy is discharged, you must also, complete a debtor education course, also known as post-bankruptcy debtor education. ACCC can help you with both of these requirements.
We provide online bankruptcy counseling, and can also give bankruptcy counseling over the phone. You can complete most of the requirements of your bankruptcy certificate online.
Homeownership is possibly the highest achievement for an individual or family in your lifetime. Whether you are in the process of purchasing your first home, are a recent buyer or longtime owner, the responsibilities are enormous. ACCC’s housing counselors are available to assist you in all aspects of your housing needs. We provide reverse mortgage, pre-purchase, post-purchase and foreclosure counseling. Being a homeowner comes with much responsibility. We are certified by the US Department of Housing and Urban Development (HUD) and are committed to providing communities with housing counseling assistance as well as providing housing resources and education.