Michigan-based non-profit credit counseling firm offering free budget analysis and debt management services across Grand Rapids, Kalamazoo, and Detroit since 1986.
Editorially reviewed by Harvey Brooks
American Debt Counseling of Michigan is a licensed and bonded debt management firm that has operated for over 38 years (since approximately 1986) serving residents across Michigan. The company maintains three physical office locations in Grand Rapids, Kalamazoo, and the Detroit area, positioning itself as a full-service debt management provider. They operate as a free-help organization, consistent with non-profit credit counseling models that provide initial consultations and budget analysis at no cost to consumers.
The company offers a comprehensive range of debt-related services including debt management plans, budget analysis and counseling, credit report review, creditor negotiation for rate reduction and settlements, and guidance on handling delinquent accounts. They specifically address payday loans, student loan delinquency, tax liabilities (state and federal), housing delinquency, utility delinquency, judgments and garnishments, car repossessions, and creditor harassment. Their core process begins with a free budget analysis appointment conducted either in-person or by phone with an experienced Michigan counselor, after which clients are presented with affordable program options tailored to their situation.
American Debt Counseling distinguishes itself through its multi-location physical presence in Michigan, allowing for in-person consultations in addition to remote services. The company emphasizes that their professionals work "solely for your benefit" and maintain licensed and bonded status. They offer complementary resources including a "7 tips for staying on budget" guide available via email, indicating a commitment to financial education alongside debt management services.
The website provides minimal detail about program costs, specific debt reduction outcomes, counselor qualifications (beyond "experienced"), or certification status with national organizations like NFCC or CCCC. While they claim to solve debt problems, there is no information about average debt reduction percentages, typical program duration, or client success metrics. The grammatical errors on their website ("experience" instead of "experienced") and website design suggest a smaller organization with limited marketing resources.
Yes. American Debt Counseling is a registered company headquartered in 8033 E 10 Mile Rd #111, Center Line, MI 48015. They hold a NR rating with the Better Business Bureau.
CreditDoc Diagnosis
Best for Michigan residents seeking free, personalized debt counseling with the option of in-person meetings who are dealing with complex debt situations including tax issues, garnishments, or multiple delinquent accounts. Primary caveat: the company's website provides minimal information about program costs, counselor certifications, or measurable outcomes, making it essential for prospective clients to directly contact them during the free consultation to assess whether their specific needs align with this provider's capabilities and to understand any associated costs.
Advance America is a nationally accredited short-term lender offering payday loans ($100–$500), installment loans ($100–$1,000), and title loans up to $25,000 in-store and online.
Best for: Consumers needing $500 or less quickly between paychecks who have a checking account and verifiable income, Vehicle owners with a fully paid-off car title who need a larger loan ($2,000–$25,000)
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