American Consumer Credit Counseling (ACCC) is a BBB A+-rated nonprofit offering free credit counseling and Debt Management Plans to help Jacksonville residents consolidate and pay off credit card debt faster.
Data compiled from public sources · Rating from CreditDoc methodology
American Consumer Credit Counseling (ACCC) has operated as a nonprofit credit counseling organization since 1991, serving consumers across the United States with a focus on helping individuals in financial distress. The organization is NFCC-accredited and maintains a BBB A+ rating, indicating long-term operational legitimacy and consumer trust. ACCC specifically targets communities like Jacksonville, where residents face elevated credit card debt burdens—Florida's average credit card debt reached $9,000 as of Q1 2025, up 10.6% year-over-year according to LendingTree data.
ACCC's primary offerings include free, confidential credit counseling sessions conducted by certified counselors, and enrollment in Debt Management Plans (DMPs). Through a DMP, the organization consolidates multiple credit card payments into a single monthly payment, negotiates with creditors to reduce interest rates, and helps consumers develop realistic payoff timelines without requiring new loans. Counseling is available via phone, online, and in-person appointments at their Jacksonville office (50 N. Laura Street). The organization also provides a CreditU mobile app for ongoing financial management and offers extended hours (Monday–Thursday 9 AM–10:30 PM ET, Friday 9 AM–8 PM ET, Saturday 10 AM–9 PM ET).
ACCC differentiates itself through its established nonprofit status, direct creditor relationships, and certified counselor expertise specific to Florida consumer issues. The organization emphasizes personalized guidance tailored to individual income, expenses, and local cost-of-living factors rather than one-size-fits-all solutions. Client testimonials highlight counselor patience, thorough option exploration, and comprehensive financial planning. The absence of upfront fees and transparent no-obligation initial consultations remove barriers to entry for financially stressed consumers.
The primary limitation is that ACCC functions as a debt management facilitator rather than a debt reduction or credit repair service—clients still pay their debts in full, though potentially with lower interest rates and consolidated payments. Success depends on creditor cooperation with rate reduction negotiations, which is not guaranteed. The organization does not dispute credit report errors, settle debts for less than owed, or provide personal loans, making it unsuitable for consumers seeking those specific interventions.
When evaluating options, consumers should compare debt consolidation loans, which combine multiple debts into a single fixed-rate payment. Credit counseling through nonprofit agencies offers free budgeting help. For those whose credit has been damaged, credit repair services can address inaccurate negative items. Nonprofit counselors can help consumers evaluate whether an installment loan for debt consolidation makes sense given their income and existing obligations.
Yes. Relief Credit Repair is a registered company, headquartered in Jacksonville, FL.
Relief Credit Repair plans start at Free per month with no setup fee. No money-back guarantee is offered.
Results vary by individual situation. Contact the provider to discuss expected timelines for your specific needs.
CreditDoc Diagnosis
ACCC is ideal for Jacksonville-area consumers carrying high credit card balances who need structured consolidation and negotiated rate reductions through a legitimate nonprofit. The critical caveat is that ACCC manages debt through full repayment, not credit repair, debt settlement, or principal reduction—it is not a solution for consumers seeking to dispute credit errors, settle debts for less, or build credit quickly.
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