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About American Consumer Credit Counseling
American Consumer Credit Counseling is a nonprofit agency that helps consumers get their finances under control. It offers credit and bankruptcy counseling as well as a debt management program. American Consumer Credit Counseling focuses on assisting customers with all forms of unsecured debt relief.
Pros & Cons
Pros
- Low monthly debt management fees
- Consolidates unsecured debts
- Free credit counseling
Cons
- Initial hit to credit score
Bottom Line
American Consumer Credit Counseling offers counseling and debt management services to consumers struggling with large amounts of unsecured debt.
What does American Consumer Credit Counseling offer?
American Consumer Credit Counseling offers free financial counseling sessions for consumers struggling with unsecured debt. During the session, a qualified credit counselor reviews your income, expenses, assets and liabilities. Then they lay out possible courses of action, and provide helpful resources, including educational materials and social service referrals. Depending on your financial situation, the company may suggest enrolling in its debt management program, which is available for a monthly fee.
American Consumer Credit Counseling also offers other services, including:
- Budget counseling
- Bankruptcy counseling
- Student loan counseling
- Housing counseling
American Consumer Credit Counseling debt management
American Consumer Credit Counseling offers its debt management program for a small monthly fee. The company's goal is to make sure you have access to the best possible debt solution, whether it's joining a debt management program or working on your own.
Under the company's debt management program, you make one monthly payment to American Consumer Credit Counseling. Its representatives then use that money to pay your creditors. American Consumer Credit Counseling also negotiates with your creditors in an attempt to reduce your interest rates.
If you choose to join an American Consumer Credit Counseling's debt management program, it helps you establish healthy payment habits. Its debt management program lasts for four to five years, but your time in the program primarily depends on the amount of debt you have and your creditors' willingness to work with you.
American Consumer Credit Counseling fees
There's no cost for credit counseling sessions with American Consumer Credit Counseling. If you choose to join its debt management program, the American Consumer Credit Counseling charges a one-time payment of $39 and a monthly maintenance fee that ranges from $5 to a maximum of $50. The company may waive or reduce these fees if you show financial hardship.
American Consumer Credit Counseling FAQ
How long does American Consumer Credit Counseling take?
American Consumer Credit Counseling debt management programs take between four and five years. They can be shorter, however, if participants pay more than the minimum monthly amount.
Can you cancel American Consumer Credit Counseling?
Since a debt management program is voluntary, you can cancel at any time by contacting the company directly. By canceling, you risk losing any agreed-upon concessions from creditors.
How does American Consumer Credit Counseling affect your credit?
Your credit score may decrease at the beginning of the program. However, if you follow the rules and regularly pay off debt, your score should eventually improve again.
Does American Consumer Credit Counseling cost a lot?
The initial credit counseling is free. If you choose to join a debt management program, you pay an enrollment fee of $39 and a monthly fee between $5 and $50. These fees may be waived according to your state’s laws or based on your financial hardship.
Is American Consumer Credit Counseling legit?
American Consumer Credit Counseling is a solid resource for financial advice and resources. Its initial consultation is free, which makes it an ideal way to receive expert advice and recommendations. If you’re struggling with unsecured debt, such as credit card debt, check out its debt management program, which helps borrowers pay off debt more quickly.
American Consumer Credit Counseling Reviews
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Reviewed Aug. 22, 2023
I recently spoke to Virginia for debt/credit counseling and it was a great experience. Opening up about debt can be embarrassing and shameful, but Virginia approached our conversation kindly and without judgment. She really seemed to want to help me, which I appreciated. She was able to offer us help with a debt management plan and other free savings advice. I was terrified to make the initial call to ACCC but I'm glad I did.

Hi, Emily
Thank you for sharing your recent experience with Virginia at ACCC. We're pleased to hear that you had a positive encounter with our debt/credit counseling service.
We understand that discussing debt can be uncomfortable, and we're glad Virginia was able to provide a judgment-free environment for your conversation.
Thanks for choosing ACCC and for your feedback. We wish you the best on your debt free journey.Katie
Reviewed March 1, 2023
Great customer service and super with the counseling. I highly recommend this service to anyone who struggle with the credit card debt. Thank you, guys and for the great work you do in to helping the community.

Hi Yamil,
Thank you so much for the kind words regarding our counseling. We're glad that we were able to help during a time of struggling. We appreciate your recommendation and taking the time to provide your feedback.
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Reviewed Nov. 18, 2022
Don't be fooled by the companies that "reduce your debt". You are MUCH better off getting on a debt repayment plan, IN FULL. ACCC is wonderful. After 2 years in the program, my debt is now HALF of the original balance and I plan to finish under the 4 years allowed. When I haven't been able to make my payment on time, they allow me a few more days until my next paycheck posts. HIGHLY RECOMMENDED.

Hi Wayne,
We're so glad we were able to help you come up with a plan to pay your debt in full, and faster than doing it on your own. It's great that you're making such great progress towards your goal. Thanks for your recommendation and taking the time to provide your feedback.
Reviewed Nov. 7, 2022
Kyle was so thoughtful and non judgmental as he was asking me to provide details of my current debt in order to help get me on a plan. That really meant a lot and was somewhat inspiring! Thank you Kyle!

Hi Nicole,
Thank you for taking the time to leave us a review. It's great to hear that you had such a nice experience working with Kyle. We're happy we came up with a plan that works with you, while showing the empathy you deserve. We appreciate your feedback!
Reviewed May 19, 2022
I really wish I found this company 5 years ago! I spoke with representative Keva, she was absolutely amazing. If I had to give her stars I would rate her services a 10/10 because of the professionalism, understanding and patience that she provided me on my road to financial recovery. It can feel really scary, uncertain and black and white but in time all things will come together. This company will require your patience, faith, diligence, and willpower to commit to want to be in a better financial standing by following the plan that they offer. Words can’t describe the much needed relief and peace that I feel. Thank you!!

Thank you for sharing your experience with our representative Keva. We are glad Keva was professional, patient and understanding during your session. We love knowing our representatives are providing amazing customer service to our clients. We greatly appreciate your feedback!
Reviewed Feb. 8, 2022
This was my 2nd time helping an elderly friend obtain a HECM loan and Reese offered more. Information than the other company we used. I am impressed with his help and patience! I would recommend highly!

Thank you for sharing your experience with our representative Reese. We are glad Reese was so helpful and patient during your session. We really appreciate your feedback.
Reviewed Dec. 8, 2021
I spoke to your representative named Ben **... He was very helpful, knowledgeable and professional in his conversation with me... Excellent representation for your company and the services provided... Neil **.

Thank you for the great review, Eleanor! We're glad to hear you found our staff to be helpful. We appreciate the feedback!
Reviewed July 13, 2021
My experience with ACCC couldn't have been better. Imani was incredibly kind, compassionate, and thorough as we went through the counseling and program process. I felt like I was in the best of hands and I was. Thank you so much, Imani and ACCC!
Reviewed April 16, 2019
I signed up for this company in the summer of 1999. They were great at first, but then I started getting notices from companies claiming they were not receiving any payments. The company was drafting money from my account, once a month, but sending it to the creditors. It ruined my credit, and I had to go to the bank to get the bank to block them from withdrawing funds.
Reviewed July 19, 2014
I sent cancellation notice via certified mail as instructed. The notice WAS received 3 days before payment was due and they took the funds from my account anyway, resulting in 2 overdraft charges, one for the payment itself and one for the attorney fees. After I contacted them they refunded the payment but not the attorney fee or 2 overdraft charges which they agreed to over the phone if I sent them my statement info, which I did. They claim they didn't receive notice in time but refused to show me proof even though I have receipt of them receiving it within the 3 days prior.
American Consumer Credit Counseling Company Information
- Company Name:
- American Consumer Credit Counseling
- Website:
- www.consumercredit.com
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