No stored Google rating available.
Non-profit credit counseling organization offering free debt management programs, bankruptcy counseling, and financial guidance to consumers struggling with debt.
Data compiled from public sources
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American Consumer Credit Counseling (ACCC) is a non-profit organization providing credit and debt counseling services to individuals and families experiencing financial hardship. The organization operates a client portal system serving multiple program types and maintains a Better Business Bureau A+ rating. Founded to address consumer debt stress, ACCC positions itself as a compassionate alternative to for-profit debt relief companies.
ACCC offers debt management programs designed to reduce interest rates and monthly payments through structured repayment plans. They provide free initial consultations to assess client situations and recommend appropriate solutions. Services include credit counseling, debt consolidation guidance, bankruptcy pre- and post-counseling, reverse mortgage counseling, first-time homebuyer courses, and student loan assistance. The organization explicitly states it does not loan money, positioning itself purely as an advisory and management service.
The company differentiates itself through non-profit status, free consultation offerings, and multi-service capability covering various financial challenges beyond debt. They maintain dedicated client login portals for different program types (Debt Management, Pre-Bankruptcy, Post-Bankruptcy), suggesting operational sophistication. The BBB A+ rating and emphasis on thousands of satisfied clients indicate stored reputation signals and track record.
ACCC operates as a non-profit counseling context to verify service appropriate for debt-stressed consumers seeking professional guidance rather than loans. However, the website provides minimal specific details about program costs, success rates, timeline expectations, or actual interest rate reductions achieved. The broad service menu suggests general competency rather than listed experience context. Prospective clients should contact directly to understand actual program mechanics and costs.
This is state-level context for Free Help consumers in Auburndale, MA. It does not confirm that American Consumer Credit Counseling or this specific location is licensed.
State regulator
Massachusetts Division of Banks
Consumer protection
Source: CreditDoc state-law summary and listed public regulator resources. Verify licensing directly with the listed state regulator before relying on a provider.
According to CFPB data (2023-present), American Consumer Credit Counseling has a 100% response rate to consumer complaints, with 100% of those responses delivered within the CFPB's 15-day window. Response rate measures whether the company replied — not whether the consumer's issue was resolved in their favor.
American Consumer Credit Counseling offers 11 services including Free credit counseling consultations, Debt management program enrollment and administration, Interest rate reduction negotiation with creditors, Monthly payment reduction planning, Pre-bankruptcy counseling, and 6 more.
American Consumer Credit Counseling has profile signals associated with Consumers with $10K-$100K in credit card debt seeking structured repayment without bankruptcy, Individuals considering bankruptcy who need pre-filing counseling and financial assessment, First-time homebuyers wanting financial education before mortgage application, Families experiencing debt-related financial stress seeking professional, compassionate guidance.
Key strengths: Non-profit status with no direct financial incentive to push expensive solutions; Better Business Bureau A+ rating indicating regulatory compliance and consumer satisfaction; Free initial consultation with no obligation to enroll. Areas to consider: Website lacks specific details on actual interest rate reductions, program costs, or success metrics; No timeline information provided for debt payoff or program completion.
In the Free Help category, comparable providers include Act Lawrence, Inc Formerly Arlington Community Trabajando, Inc, American Consumer Credit Counseling, Inc., Cambridge Credit Counseling Corp.. Each company has different strengths, so compare services, pricing, and consumer complaint records before deciding what to do next.
CreditDoc Profile Note
ACCC is profile signals for debt-stressed consumers seeking free, non-profit counseling to manage credit card debt or prepare for major financial decisions like homebuying or bankruptcy. The main caveat is that the website provides insufficient detail on actual program mechanisms, costs, and measurable outcomes—prospective clients must contact directly to understand whether services are truly appropriate for their specific situation.
Public data from the Consumer Financial Protection Bureau
* Percentage of consumer complaints that received a company response (does not indicate the complaint was resolved in the consumer's favor)
** Percentage of responses delivered within the CFPB's 15-day window
Source: consumerfinance.gov | Last checked 2026-03-24
Latina-led non-profit CDC in Lawrence, MA offering HUD-certified housing counseling, financial coaching, and community development programs since 1996.
Profile signals: First-time homebuyers in Lawrence seeking affordable housing counseling and mortgage preparation, Low-to-moderate income Lawrence residents facing mortgage delinquency or foreclosure risk
ACCC is a 501(c)(3) nonprofit credit counseling agency founded in 1991, offering free debt management programs starting at \/month. BBB A+ rated with 4.98 stars, NFCC member, licensed in all 50 states.
Google rating from 35,854 reviews
Profile signals: Consumers with $3,000-$50,000 in unsecured credit card debt seeking a structured, nonprofit-guided repayment plan, Individuals who want to avoid bankruptcy and debt settlement but need professional help negotiating lower interest rates with creditors
NFCC-certified nonprofit offering free credit counseling, debt management plans, housing counseling, and bankruptcy guidance since 1996.
Google rating from 146 reviews
Profile signals: Consumers carrying high-interest credit card debt who want a structured, creditor-negotiated payoff plan without the risks of debt settlement, Homeowners facing foreclosure or seeking first-time homebuyer education through an HUD-approved agency
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