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Michigan-based non-profit credit counseling firm offering free budget analysis and debt management services across Grand Rapids, Kalamazoo, and Detroit since 1986.
Data compiled from public sources
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 with no listed 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.
This is state-level context for Free Help consumers in Center Line, MI. It does not confirm that American Debt Counseling or this specific location is licensed.
State regulator
Michigan Department of Insurance and Financial Services
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.
American Debt Counseling offers 12 services including Free budget analysis appointments, Debt management planning and administration, Credit report review and analysis, Creditor negotiation and rate reduction, Debt settlement assistance, and 7 more.
American Debt Counseling has profile signals associated with Michigan residents struggling with multiple debt types who prefer in-person counseling relationships, Individuals with tax liabilities, judgments, or garnishment issues seeking comprehensive guidance, Consumers seeking free initial consultation before committing to debt management programs, People in the Detroit, Grand Rapids, or Kalamazoo areas who value local, established providers.
Key strengths: Offers listed with no monthly subscription budget analysis appointments with no obligation; Licensed and bonded debt management firm providing legal credibility; Three physical office locations in Michigan enabling in-person consultations. Areas to consider: Website lacks information about specific program costs or fee structures; No mention of NFCC certification or national credit counseling accreditation.
In the Free Help category, comparable providers include American Debt Counseling of MI, Credit Literacy, Detroit Communities Tax & Resource Center. Each company has different strengths, so compare services, pricing, and consumer complaint records before deciding what to do next.
CreditDoc Profile Note
profile signals 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.
Michigan-based non-profit debt counseling firm offering free budget analysis and debt management services across three locations with 38+ years of experience.
Profile signals: Michigan residents overwhelmed by multiple debts seeking in-person counseling and local accountability, Consumers dealing with listed debt issues like tax liabilities, garnishments, or creditor harassment
Michigan First Credit Union's free Money Mentor program provides financial education to teens and young adults (17-25) through group presentations, videos, and social media content focused on money management and credit building.
Profile signals: Teenagers and young adults (17-25) in Michigan First Credit Union service areas with no prior financial education, First-time credit builders seeking foundational money management knowledge
Detroit Communities Tax & Resource Center provides free tax and financial assistance to low-income residents in the Detroit area, operating as a non-profit community resource.
Profile signals: Low-income Detroit-area residents needing free tax preparation assistance, Individuals seeking financial counseling or resource navigation in the Detroit metro area
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