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Learn How ACCC Can Help You

  • Save money on your payments
  • Reduce your interest rates
  • Pay off your debt faster
  • Consolidate your payments into a single monthly payment
  • No debt settlement and no risky shortcuts

Your first conversation with a certified counselor is free and confidential.

What Happens Next

1. Share a few details 

Complete a quick form so we can understand your situation.

2. Review your options

Start online or connect with a certified credit counselor

3. Move forward

Move forward with a plan that fits your needs and goals. 

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You don't need minimum payments...

You need a better plan

  • With minimum payments, very little goes toward your principal
  • Most payments go toward interest first
  • That’s why your balances feel like they never move

A Debt Management Plan helps you pay down debt faster.

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Please provide a few details so we can get you the right help

 What Clients Say About ACCC 

 "I can't give the company enough praise, service has been nothing but Helpful and straightforward, the people that work there are kind and very knowledgeable about their job." 

Michael Johnson, GA

ACCC Client, March2026

 "American Consumer Credit Counseling is absolutely amazing! I finally got my debt paid off and I couldn’t have been happier to have their help in getting me there. Everyone I’ve worked with has been incredible. Today I worked with Jojo. He was very professional and personable. I got the last payment knocked out right away without a hitch." 

Anonymous Client

ACCC Client. March2026

 "I had an outstanding experience with ACCC. The counselors were incredibly professional, knowledgeable, and patient. They took the time to explain everything and made sure I fully understood my options. Their guidance gave me peace of mind and helped me feel confident about my financial decisions. I truly appreciate their dedication to helping people with integrity and respect. I highly recommend ACCC to anyone looking for trustworthy and compassionate financial counseling. " 

 Magalie, V.

ACCC Client. Feb2026

 "Several weeks ago, I spoke with Christopher, who was extremely helpful and patient in clearly explaining everything to me and walking me through the entire process of credit counseling. Additionally, he helped me with my budget. I was a little apprehensive and waited a few weeks and then today I spoke with Amanda, who patiently helped me finish getting everything set up. I’m very grateful for this service and for the opportunity to have an affordable monthly payment for my credit cards. I am very excited about the CreditU app that will help us budget and set and achieve monetary goals for our future." 

Elizabeth Adelman, TN

ACCC Client, March2026

Frequently Asked Questions
What is a Debt Management Program (DMP)?

A Debt Management Program is a structured repayment plan offered by nonprofit credit counseling agencies like ACCC. If you’re eligible, we work with your creditors to reduce interest rates and fees, then combine your payments into one affordable monthly payment.

You still repay 100% of what you owe — just with less interest and a clearer path to becoming debt-free.

Does ACCC do debt settlement?

No. ACCC does not negotiate balances down or ask you to stop paying creditors. We focus on interest-rate reductions and structured repayment, which helps protect your credit.

Is there a cost?

Your consultation is free. If you enroll in a plan, fees are modest, transparent, and nonprofit-regulated and often offset by the interest savings.

What types of debt can you help with?

We help with credit cards, personal loans. medical bills and collection related unsecured debt.

Will this hurt my credit?

Many clients see long-term credit improvement as balances decrease and payments become consistent.