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The Lonestar State boasts the second highest gross state product in the U.S., thanks to a rapidly growing economy. Though Texas has a lower-than-average cost of living, the average household income is below the national average and many residents are drowning in debt. The average Texan has $5,173 worth of credit card debt, and may be in need of credit consulting services.

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

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

Testimonials from Texas clients

“Your representatives have always been patient and non-judgmental. I was reluctant to call because I was embarrassed by my situation, but your people put me at ease and handled my questions professionally and allowed me to feel assured I would be treated with respect. You are the only agency of this kind I would trust and recommend.”
-Carol U.

"We have been very satisfied with the company and we look forward to being debt free. You made us feel that it is possible and a lot of our stress has been removed. Budgeting has been a really good step for us as a family and with the lower interest rates/payments to ACCC, we know there is a debt-free light at the end of the tunnel. With our new payment plan and some careful budgeting we haven't needed our credit cards for the six months we have been in the program and it feels awesome!
-Nicole W.


1) In Texas, the average household income is below the national average 
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 reduction programs and debt relief services to help consumers nationwide figure out how to pay down debt and how to get out of debt quickly. Our professional credit counselors provide free credit counseling to help individuals and families find the right debt solutions to help with credit card debt and avoid debt in the future. Our debt management programs provide help with debts by consolidating payments on credit card debt and other unsecured loans, with credit card negotiation services to reduce credit card debt interest rates and finance charges, helping consumers to pay off debt more quickly.

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