Non-profit credit counseling agency offering free consultations, debt management programs, and bankruptcy counseling to help consumers reduce interest rates and regain financial stability.
Editorially reviewed by Harvey Brooks
American Consumer Credit Counseling, Inc. (ACCC) is a non-profit credit counseling agency reachable at 800-769-3571. The organization serves individuals and families struggling with credit card debt, offering a structured path toward financial recovery through counseling, debt management, and educational programs. ACCC holds an A+ rating from the Better Business Bureau and reports thousands of satisfied clients who have completed its programs.
ACCC's core offering is its Debt Management Program (DMP), through which counselors negotiate with creditors to significantly reduce interest rates and monthly payments, helping clients pay off debt faster than on their own. Beyond debt management, the agency provides pre- and post-bankruptcy counseling, reverse mortgage counseling, first-time homebuyer courses, and student loan help — a breadth of service that suggests HUD-approved status. All services begin with a free consultation.
Several features distinguish ACCC from for-profit debt relief companies. The agency explicitly states it does not loan money, removing any risk of predatory lending. It offers a dedicated client portal (CreditU App and web login) where enrolled clients can track program details, due dates, and documents. The free initial consultation and compassionate counseling approach position ACCC as a low-pressure entry point for consumers who are unsure where to start.
ACCC is a solid, low-risk option for consumers overwhelmed by credit card debt who want professional guidance without taking on new loans or risking debt settlement's credit damage. The main caveat is that its Debt Management Program requires consistent monthly payments over a multi-year period — it is a structured commitment, not a quick fix. The lead-capture form on the landing page requires a phone number and triggers SMS follow-up consent, which may feel intrusive for users just exploring options.
Yes. American Consumer Credit Counseling, Inc. is a registered company headquartered in 180 N University Ave #270, Provo, UT 84601. They hold a NR rating with the Better Business Bureau.
CreditDoc Diagnosis
ACCC is best for consumers drowning in credit card debt who want a structured, non-profit-backed path to repayment without taking on new loans or pursuing debt settlement. The Debt Management Program is the flagship product and delivers real interest rate reductions, but it requires sustained monthly commitment over several years. Consumers seeking a quick fix, emergency cash, or anonymous information browsing will find the mandatory phone/SMS lead form a barrier.
Public data from the Consumer Financial Protection Bureau
Source: consumerfinance.gov | Last checked 2026-03-26
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American Consumer Credit Counseling (ACCC) offers free consultations, debt management plans, and multi-service counseling to help consumers reduce interest rates and pay off debt. BBB A+ rated.
Best for: Consumers with $1,000–$100,000+ in credit card debt seeking a structured repayment plan without new loans, People who have fallen behind on payments and are exploring alternatives to bankruptcy
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