ACCC is a non-profit credit counseling agency offering free consultations, debt management programs, bankruptcy counseling, and housing services nationwide.
Editorially reviewed by Harvey Brooks
American Consumer Credit Counseling, Inc. (ACCC) is a non-profit credit counseling organization based in the United States, accessible nationally via a toll-free line (800-769-3571) and an online client portal. The organization holds a Better Business Bureau A+ rating and has served thousands of clients seeking relief from credit card debt and related financial stress. ACCC explicitly states it does not loan money, distinguishing it from lenders and debt settlement firms.
ACCC's flagship service is a structured Debt Management Program (DMP), through which counselors work with creditors to negotiate reduced interest rates and lower monthly payments, enabling clients to pay off debt faster without taking on new loans. Beyond the DMP, ACCC provides free initial consultations, pre-bankruptcy and post-bankruptcy counseling, reverse mortgage counseling, first-time homebuyer courses, and student loan assistance. Clients manage their accounts through the CreditU mobile app and a dedicated online client login portal.
What sets ACCC apart from for-profit debt relief companies is its non-profit structure and counseling-first approach. Rather than negotiating lump-sum settlements that can damage credit, ACCC guides clients through a disciplined repayment plan that maintains creditor relationships. The range of HUD-adjacent services — reverse mortgage, homebuyer education, student loan help — suggests ACCC operates closer to a full-spectrum financial wellness agency than a narrow debt shop. Client reviews visible on the landing page (including a Google review from April 2025) reflect positive counselor interactions.
ACCC is a sound option for consumers with significant credit card debt who want structured, professionally guided repayment without resorting to settlement or bankruptcy. However, the website's landing page is optimized for lead capture and does not disclose DMP fees upfront — consumers should ask explicitly about monthly program costs before enrolling. The free consultation is a genuine no-commitment entry point, but the DMP itself carries fees. Those needing emergency cash, personal loans, or aggressive debt settlement will need a different provider.
Yes. American Consumer Credit Counseling, Inc is a registered company headquartered in 421 Fayetteville St, Raleigh, NC 27601. They hold a NR rating with the Better Business Bureau.
CreditDoc Diagnosis
ACCC is best for consumers drowning in credit card debt who want nonprofit, counselor-guided relief through a structured repayment plan rather than settlement or new loans. The free consultation is a genuine starting point, but prospective clients should specifically ask about monthly DMP fees before committing, as these are not disclosed on the website.
Public data from the Consumer Financial Protection Bureau
Source: consumerfinance.gov | Last checked 2026-03-26
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