800-769-3571 Client Login Contact Search Debt Programs Resources & Tools Blog About Us Get Help Now About Us Home / About Us / FAQs FAQs Q: What are my client rights and responsibilities? Q: What can I expect from my counseling session? Q: What is your consumer complaint process? Q: What is the cost of your counseling and budget consultation? Q: Do you loan money? Q: What is the cost of the Debt Management Program? Q: What kinds of debt can be put in a Debt Management Program? Q: What are the benefits of a Debt Management Program? Q: What will my new interest rates be? Q: When will my interest rates start to go down? Q: What does re-aging an account mean? Q: How do I get started with your program? Q: How long will it take to complete the program? Q: What happens to my total payment when one of my accounts is paid off? Q: Can I still use my credit cards once I’m enrolled in the program? Q: Do I need to cancel credit card insurance? Q: Will my creditors still send me statements? Q: Can I make payments on my own, once I join the program? Q: How will your program affect my credit or credit score? Q: Is ACCC a credit repair company? Q: Is my information kept confidential? Q: What credentials do you have? Q: What is your rating with the Better Business Bureau? Q: How is ACCC Funded? Q: Is this program similar to bankruptcy? Q: How do I add an account to my existing DMP program? Q: How do I know if a creditor accepts the Debt Management Proposal? Q: What if one of my accounts is transferred to another credit card company? Q: What if a creditor doesn't agree to participate? Q: How will a creditor know I joined the Debt Management Program? Q: What happens if I cannot handle my payments while in your program? Q: What is my username and password to access my account online? Q: Why am I being charged late fees and/or over limit fees? Q: Did you receive my payment? Q: What does it mean to make a difference payment to the creditor? Q: To whom do I make my check payable to and what address do I send it? OVERVIEW REVIEWS PARTNERSHIPS FAQS LEADERSHIP NEWS & PRESS RELEASES CAREERS STATE LICENSING LOCATIONS American Consumer Credit Counseling (ACCC) is a nonprofit debt management company that provides consumers with personalized counseling and solutions for consolidation of debt. Since our founding in 1991, ACCC's consolidated credit counseling services and debt assistance programs have been helping consumers consolidate debts and regain control of their finances. If you're wondering "What's the best way to consolidate my debt?", an ACCC counselor can show you how to consolidate your debt without having to take a loan or pay hefty fees. First, check out our credit counseling reviews to see what our customers have to say about our consolidated credit solutions and the personal touch that helps make ACCC one of America's most well-regarded debt management agencies. 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