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The Volunteer State is well known for its role in the development of American music, such as blues, country, and rock and roll. Though Tennessee is one of the few states in the nation to report an asset surplus, residents often still feel the pinch of debt and unemployment. The average resident holds $4,669 worth of credit card debt and may need a debt management solution.

Through ACCC, residents of Tennessee can receive accredited credit counseling and debt advice, free of charge. There is also a debt management plan offered to qualified individuals. There is no obligation to the financial counseling or credit consulting services.

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

Testimonials from Tennessee clients

“ACCC's Debt Management Program has been a lifesaver for me. I have suggested it to people I know whom have been in the same situation as myself. Thanks to your program, I am debt free.”
-Angela A.

"Thank you for helping me to get my budgeting/spending under control. It brought such peace of mind knowing that my bills were being paid on time at a reduced rate of interest. I no longer have the worry of owing on any credit cards and can now save money for purchases rather than charging.”
-N. A.



1) Tennessee residents have an average of $4,669 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 nonprofit credit counseling, debt relief, and debt elimination services for consumers nationwide. We offer free credit counseling to help consumers identify the right debt reduction program or debt solution for their unique situation. Since 1991, our certified credit counselors have helped thousands of individuals and families learn how to pay off a credit card balance and how to get out of debt fast through programs designed to payoff credit card debt within five years. Our debt management programs consolidate card credit debt payments and help reduce interest rates and finances charges, reducing the time it takes for getting rid of debt. And we offer comprehensive financial education services where consumers can get answers to questions like "How do I create a budget?", "What is debt consolidation?" and "How can I avoid debt in the future?"

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