What Is ACCC (consumercredit.com) and What Services Does It Offer?

ACCC, which operates at consumercredit.com, is a consumer credit counseling organization that has provided credit counseling since 1991. It offers a free consultation and a range of debt, housing, and financial education services. It is most relevant if you are dealing with overwhelming debt or financial stress and want structured help — counseling, a debt management plan, or guidance on bankruptcy or housing — rather than a loan or a quick fix.

What ACCC is

ACCC describes itself as a credit counseling company focused on debt help. Its site positions the service around people "struggling with overwhelming debt, financial stress, and constant worry," and states that counselors are available to help. The organization also references the NFCC (National Foundation for Credit Counseling) in its navigation, indicating an affiliation with that counseling network.

Two practical points from the site:

• Consultation is free — the site promotes a free consultation as the entry point.
• Multiple contact channels — a phone line (800-769-3571), a mobile app (CreditU), and a client login are listed, alongside in-person-style counseling services.

Main services

The site organizes its offerings into several program areas. The table below maps them by category.

Credit counseling

This is the starting service. It covers what credit counseling is, what to look for in an agency, and why someone might choose ACCC. It is the natural first step if you are unsure which program fits your situation.

Debt management program

The debt management program is presented as "the smart path to financial freedom." The site provides a program overview, a list of benefits, a calculator, a to-do list, and a fees page, plus FAQs. If you want to understand cost before committing, the dedicated fees page and calculator are the pages to check.

Debt consolidation and settlement

Debt consolidation is framed around improved financial health, and debt settlement is listed as a separate option. These are distinct approaches, so compare them against the debt management program rather than assuming they are interchangeable.

Bankruptcy counseling

ACCC offers bankruptcy counseling, including content on what bankruptcy is, the cost of filing (bankruptcy counseling fees), pros and cons, and FAQs. This is counseling and education, not legal representation.

Housing counseling

Housing services include homebuyer education and certification, reverse mortgage counseling (with advantages and terms explained), foreclosure resources, and loan modification programs. There is also a page on foreclosure scams and how they may look or sound — useful if you are being contacted by third parties during a housing crisis.

Who it is for

ACCC is aimed at people who:

• Feel overwhelmed by debt or constant financial worry
• Want a free consultation before deciding on a program
• Are considering a debt management plan, debt consolidation, or bankruptcy and want counseling first
• Need housing-related guidance such as foreclosure or reverse mortgage counseling
• Want budgeting, credit, or retirement education and calculators

It is less suited to someone looking for a direct loan, and its bankruptcy service is counseling rather than legal advice — for filing decisions you would still need a qualified attorney.

How to get started

1. Request the free consultation — by phone at 800-769-3571 or through the site.
2. Describe your situation — debt load, income, and what outcome you want (lower payments, a payoff plan, housing help).
3. Get a recommendation — a counselor points you toward credit counseling, a debt management plan, or another program.
4. Review fees and terms before enrolling — check the debt management program fees page and use the calculator to see projected numbers.
5. Use the ongoing tools — client login and the CreditU app for managing your plan, plus calculators and webinars for education.

What to verify before you commit

• Fees for the specific program — the site has a fees page for the debt management program; read it rather than assuming costs.
• Which service matches your debt type — medical, tax, and unemployment debt each have separate help pages, and the right path differs.
• Whether you need legal advice — bankruptcy counseling is not the same as filing with an attorney.
• Scam awareness — the site itself warns about foreclosure scams, a reminder to confirm you are dealing with the official organization.

If your main need is a free starting conversation about debt and a structured plan afterward, ACCC's counseling and debt management offerings are the core of what it provides. If you need a loan, legal representation, or a specific fee quote, confirm those details directly before proceeding.