Overview
American Consumer Credit Counseling is a nonprofit agency that works with individuals and families across the United States to manage debt and build financial skills. Its certified counselors review income, expenses, and credit card balances to develop budgets and assess repayment options by phone and online. Clients in its debt management program make one monthly payment that the agency distributes to participating creditors, with enrollment and monthly fees that may be reduced or waived. It also runs housing and bankruptcy counseling alongside financial education programs and resources. Founded in 1991, it is headquartered in Auburndale, Massachusetts.
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Simplify's take
What believers are saying
- ACCC’s January 2025 breach settlement received final approval on October 8, 2026.
- Settlement benefits include three years of credit monitoring and cash payments for claimants.
- Consumer credit card debt stayed elevated in 2026, sustaining demand for counseling.
What critics are saying
- The 2025 email breach exposed Social Security numbers, account numbers, and payment cards.
- Dinkel v. ACCC resolved allegations of negligent cybersecurity in Massachusetts court.
- Another breach would destroy trust and trigger state attorney general scrutiny within months.
What makes American Consumer Credit Counseling unique
- ACCC offers nonprofit credit counseling and Debt Management Programs in all 50 states.
- Its DMP charges a $39 enrollment fee and $7 monthly per account, simplifying pricing.
- ACCC combines counseling, budgeting, and creditor negotiations instead of issuing loans.
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