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The Keystone State has one of the highest gross state products in the nation – if it were an independent country, Pennsylvania would rank as 18th largest in the world. Rich in history, Pennsylvania is home to some of the first banks in America, which is still felt in its strong financial sector today. Agriculture, gambling, and tourism also help boost the economy of the state.

Unfortunately, many residents still feel the pinch of the recession and are drowning in debt. The average resident holds $4,629 worth of credit card debt and may need help getting out of credit card debt.

Pennsylvania residents can receive debt management advice and help with credit debts. We also offer a debt management plan to qualified individuals. The financial counseling sessions are completely free of charge.

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

Testimonials from Pennsylvania clients

"We completed our program this month but I have to say it was a lifesaver and a perfect alternative to bankruptcy, which was the last thing we had wanted to do. We love being virtually debt free!”
-Melissa B.

"Ever since I got into your program, I've learned how to manage my money much better. I've learned to live within my budget and I don't want to ever get in a position like this again."
-Nancy G.


1) Pennsylvania residents have an average of $4,629 in 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 credit counseling, financial education and debt relief options for individuals and families with too much credit card debt or unsecured personal debt. Our certified credit counselors have helped thousands of consumers find credit card debt relief by learning how to reduce debt and how to get out of credit card debt. Our debt assistance services and debt management plans allow consumers to consolidate credit card bills into a single payment, and provide help with negotiating credit card debt in order to lower interest rates and finance charges, to ultimately eliminate debt through a credit card payoff plan.

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