If you are receiving unsolicited phone calls from an entity pretending to be ACCC (a trusted non-profit credit counseling agency), please be assured that ACCC’s policy is NEVER to contact you unless you’ve explicitly requested for us to call you. × 800-769-3571 Client Login Contact Search Debt Programs Resources & Tools Blog About Us Get Help Now Need to Get Out of Debt? Call Now 800 769-3571 We can help! ACCC can offer you Debt Management Counseling to help you: Lower your interest rates and monthly payments Consolidate credit card bills into one simple monthly payment Bring an end to harassing calls from debt collectors 100% free consultation with a certified debt specialist Become Debt-Free (3 - 5 years in most cases) American Consumer Credit Counseling (ACCC) is a non-profit credit counseling 501 (c)(3) organization. Better Business Bureau A+ Rating Need to Get Out of Debt? We Can Help. Reduce Your Credit Card Payments by Up to 30 – 50%! Call 800-769-3571 Or, please complete the required form to continue First Name Last Name Email * State * State Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming Zip Code Phone Debt Amount (Estimate)? * Debt Amount (Estimate)? 1 - $5K 5 - $10K 10 - $20K 20 - $50K $50K+ The Status of Your Payments? * The Status of Your Payments? Current Current but starting to fall behind Behind less than 6 months More than 6 months behind American Consumer Credit Counseling (ACCC) may use the contact information you provide to us to contact you about our services. For information on our privacy policies and commitment to protecting your privacy, please review our Privacy Policy. What is a Debt Management Plan (DMP)? A debt management plan (DMP) is a type of repayment plan that's set up and managed by a non-profit credit counseling agency like ACCC. As part of our DMP, creditors may waive late and overlimit fees, lower interest rates, reduce monthly payments and bring passed due accounts current (also known as re-aging). With many DMPs, the goal is to have your debts fully repaid within three to five years, and in some cases sooner. Once you start the DMP, you'll make a single monthly payment to ACCC, we will then distribute the money to your creditors every month on time. As Featured On Reviews Bevera Sack November 4, 2021 via Google American Consumer Credit Counseling services provide an excellent pathway to managing finances and financially secure a workable budget in order to gain freedom from debilitating debt. Gabriel spent over 2 hours explaining how the company will work with my creditors to lower... Eric Aberle October 20, 2021 via Google Edwin was absolutely outstanding. He, the consummate professional, did a wonderful job carefully going over everything I needed to know about the services provided and all options. I’m a retired veteran who had to get some “repairs” done, and one surgery led to another, it put... See All Reviews How We Can Help How can we help you manage your credit? Our programs can help you take control of your financial life. Get Started Now Credit Counseling We will help you determine the best way to approach your financial situation, and provide you the best credit counseling service options possible. Bankruptcy Counseling We can provide the mandated pre-filing bankruptcy counseling session to enable you and your legal counsel to make well-informed decisions. Debt Settlement We offer free credit counseling sessions with professionally certified counselors to choose the most advantageous path out of debt. Debt Consolidation With our debt consolidation plan, you will be able to combine most, if not all of your unsecured debt and make one single monthly payment. Debt Management Our debt management program helps simplify your monthly unsecured debt obligations, consolidate your payments, and disburse funds to your creditors on your behalf. Student Loan Counseling We can help you explore your options regardless of how much you owe or your loan status. Housing Counseling ACCC’s housing counselors are available to assist you in all aspects of your housing needs. We provide reverse mortgage counseling, homebuyer education and certification, and foreclosure counseling. About American Consumer Credit Counseling (ACCC): American Consumer Credit Counseling is a nonprofit credit counseling agency that helps consumers take control of their financial lives through credit counseling, debt consolidation, and financial education. Since 1991, we have been improving lives and providing solutions to people in need of financial help. Get Started Now Financial Resources & Tools Budgeting Tips and Tricks A budget is the cornerstone of responsible financial planning. It shows exactly how much money you have and where it’s being spent. Use our compiled helpful resources, tips, and tools to help you understand and create a successful budget. Explore Financial Preparedness Budgeting Tips and Tricks Financial Preparedness Understanding Credit Financial Calculators Calculators to help manage your money Retirement How to prepare for retirement American Consumer Credit Counseling (ACCC) is a not-for-profit credit counseling agency providing assistance to individuals and families throughout the nation. We offer free credit/debt counseling services and a low-cost plan for managing debt, and we may be able to waive or reduce credit and debt counseling fees depending on a consumer’s state regulations or financial hardship. Our certified counselors provide credit/debt management assistance in a wide range of financial matters, including credit counseling, debt consolidation counseling, debt relief counseling, bankruptcy counseling, housing counseling, student loan counseling, and credit card counseling services. As one of the nation’s leading non-profit debt management and credit counseling agencies, we are member of the National Foundation for credit counseling (NFCC) and we have an A+ rating with the Better Business Bureau. Debt Programs Credit Counseling Debt Management Bankruptcy Counseling Housing Services Student Loan Counseling Debt Settlement Debt Consolidation ACCC Careers Privacy Policy Accessibility Statement State Licenses & Disclosures Feedback Contact Follow Us