American Consumer Credit Counseling (ACCC)
Last updated July 2026 · Educational overview — not an endorsement
Relief Guardian is not a credit counseling agency and does not recommend one agency over another. This page presents factual, publicly available information about American Consumer Credit Counseling (ACCC).
Agency Overview
American Consumer Credit Counseling (ACCC) is a nonprofit offering Debt Management Plans, credit counseling, and bankruptcy counseling, with an online client portal and mobile app for tracking progress.
Services Offered
- Credit counseling
- Debt Management Plans (DMP)
- Bankruptcy counseling
- Debt consolidation guidance
Typical DMP Length
Varies by enrolled balance and payment plan
Accreditation
Nonprofit credit counseling agency
Fees
ACCC states fees vary by state and are disclosed during your financial counseling session.
Potential Benefits
- Online client portal and CreditU mobile app for tracking progress
- Offers bankruptcy counseling in addition to DMPs
- Positive third-party feedback regarding staff support
Potential Considerations
- DMP repays the full balance owed, not a reduced amount
- Not a fit for consumers who need principal reduction rather than restructured repayment
- Program length and terms vary by individual financial situation
Frequently Asked Questions
Does ACCC have a mobile app?
Yes — ACCC offers a client portal and the CreditU mobile app to help track your progress.
Can ACCC help with bankruptcy?
ACCC offers bankruptcy counseling as one of its services, separate from its Debt Management Plan offering.
Learn More Directly From American Consumer Credit Counseling (ACCC)
Always confirm current fees, terms, and state availability directly with the agency before enrolling.
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