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ACCC is a non-profit credit counseling agency offering free consultations, debt management programs, bankruptcy counseling, and housing services nationwide.
Data compiled from public sources
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 researching emergency-cash options, personal loans, or aggressive debt settlement will need a different provider.
This is state-level context for Free Help consumers in Raleigh, NC. It does not confirm that American Consumer Credit Counseling, Inc or this specific location is licensed.
State regulator
North Carolina Commissioner of Banks
Consumer protection
North Carolina Attorney General Consumer Protection Division
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, Inc 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, Inc offers 11 services including Free credit counseling consultation, Debt Management Program (DMP), Creditor interest rate negotiation, Monthly payment consolidation into single DMP payment, Pre-bankruptcy counseling, and 6 more.
American Consumer Credit Counseling, Inc has profile signals associated with Consumers with $5K–$50K+ in credit card debt who want a structured repayment plan, People considering bankruptcy who want to explore alternatives first, First-time homebuyers required to complete a HUD-approved counseling course, Seniors exploring reverse mortgage options who need neutral, non-lender guidance.
Key strengths: BBB A+ rating — independently verified quality signal; Free initial consultation with no purchase obligation; Explicitly non-profit — no incentive to upsell unnecessary services. Areas to consider: DMP fees are not disclosed on the website — consumers must ask before enrolling; Does not loan money, so cannot help with emergency cash needs.
In the Free Help category, comparable providers include Christian Credit Counselors, Common Wealth Charlotte (CWCLT), Good Friends of Charlotte. 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 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
* 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 2026-03-26
Nonprofit credit counseling organization offering debt management plans and financial education with a faith-based approach to helping individuals and families become debt-free.
Profile signals: Low-income individuals seeking financial guidance, People exploring debt management options
Non-profit financial counseling organization offering free workshops, certified financial advisor sessions, and advertised 0% interest loans to verify to help Charlotte residents build financial stability.
Profile signals: Charlotte-area residents with limited income seeking free financial counseling and credit guidance, Individuals wanting to avoid payday and auto title loans and needing emergency borrowing with fair terms
Non-profit organization providing emergency financial assistance grants to working families and individuals in Charlotte facing unexpected hardships, not loans.
Profile signals: Working families facing sudden utility shutoff or eviction due to job loss or medical emergency, Parents needing car seats or educational resources for children experiencing housing instability
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