American Consumer Credit Counseling

What American Consumer Credit Counseling does

American Consumer Credit Counseling (ACCC) is a nonprofit credit counseling agency founded in 1991 and headquartered in Auburndale, Massachusetts, delivering consumer debt management, credit counseling, bankruptcy counseling, housing counseling, debt consolidation, and debt settlement services to individuals and families across all 50 U.S. states via toll-free phone (800-769-3571), online self-service, and the CreditU mobile application. The core product is the Debt Management Program (DMP), which consolidates multiple unsecured credit card and loan payments into a single monthly payment; counselors negotiate interest rate reductions and fee waivers with creditors on the client's behalf, with a target payoff horizon of 36 to 60 months. The technology stack includes a secure 24/7 client portal, the CreditU mobile app (iOS and Android) with a 'My DMP' feature for enrolled clients, deterministic online financial calculators, SSL encryption, and a Plaid/Yodlee data-aggregation integration for client financial account connectivity.

Revenue mechanics are primarily fee-for-service with a low-cost structure: a $39 one-time DMP enrollment fee plus a $7 per-account monthly maintenance fee (average $25, capped at $70), bankruptcy counseling at $49 per household for pre-filing and $39 per household for post-bankruptcy debtor education (both DOJ-mandated), freemium credit counseling and educational resources, and HUD-approved housing counseling services. Initial counseling sessions are free, and fees can be waived or reduced for financial hardship, state regulatory reasons, or active military service. Go-to-market is sales-led with a strong inbound component: phone inquiries, online applications, SEO/content marketing, monthly financial literacy webinars with community partners, attorney referral partnerships for bankruptcy, and client testimonials/reviews. Headcount sits at 101-250 employees, and ACCC is a Gold Standard member of the National Foundation for Credit Counseling, accredited by the Council on Accreditation, holds an A+ Better Business Bureau rating, and is approved by the U.S. Department of Justice and HUD as a regulated counseling provider.

Name

American Consumer Credit Counseling

Legal name

American Consumer Credit Counseling, Inc.

Website

https://consumercredit.com

Company type

Private

Founded year

1991

Operating status

Operating

Headcount range

101–250 employees

Short description

American Consumer Credit Counseling is a nonprofit, NFCC-accredited credit counseling agency that provides debt management programs, bankruptcy counseling, housing counseling, and financial education to U.S. consumers nationwide via phone, online, and its CreditU mobile app.

Ownership category

akta.pro rank

Product category

Credit Counseling Services

NAICS

Collection Agencies (561440)

SIC

Services-Consumer Credit Reporting, Collection Agencies (7320)

akta.pro primary industry

Consumer Credit Counseling & Budgeting (FSAEAFAA)

akta.pro secondary industries

Credit Counseling & Debt Management Plans (DMP) (FSAKAJAH), Debt Management Plans (DMP) & Consolidation Programs (FSAKAIAJ)

Keywords

• Credit counseling services
• Debt management programs
• Bankruptcy counseling
• Housing counseling services
• Financial education resources

Headquarters

HQ city

Auburndale

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales

Revenue model

1. Debt Management Program Fees: One-time enrollment fee of $39 plus monthly maintenance fee of $7 per account (average $25/month, maximum $70/month). Fees may be waived or reduced based on state regulations, financial hardship, or military service. Initial counseling session is free.
2. Bankruptcy Counseling Services: Pre-filing bankruptcy counseling at $49/household and post-bankruptcy debtor education at $39/household. Both are mandatory sessions required by the Department of Justice for bankruptcy proceedings.
3. Free Services: Free credit counseling sessions, free educational programs, free financial education materials, and ongoing counseling and education are provided at no cost to clients.
4. Housing Counseling Services: Housing counseling services including reverse mortgage counseling, homebuyer education, and foreclosure prevention counseling.

Pricing tiers

Go-to-market motion1 record

Distribution channels5 records

Marketing channels7 records

Core offering

ACCC is a nonprofit credit counseling agency that helps consumers eliminate unsecured debt through a Debt Management Program (DMP) that consolidates multiple payments into one, supported by credit counseling, bankruptcy pre-filing and post-discharge counseling, housing counseling (reverse mortgage, homebuyer, foreclosure prevention), debt settlement referrals, and debt consolidation planning. All services are delivered by NFCC-certified counselors via phone, online portal, mobile app, and live webinars.

Product overview

American Consumer Credit Counseling (ACCC) operates as a nonprofit credit counseling agency offering a unified suite of financial counseling and debt relief services. The core portfolio is anchored by a Debt Management Program (DMP) that consolidates unsecured debts into a single managed payment, supported by credit counseling, bankruptcy counseling, housing counseling, debt settlement, and debt consolidation — all delivered by certified counselors. Adjacent digital offerings include the CreditU mobile app (iOS/Android) for personal finance management with a built-in 'My DMP' feature for enrolled clients, a Client Portal for 24/7 account access, and a suite of Financial Calculators for debt payoff planning. Free financial education resources, webinars, and workshops round out the service ecosystem.

Differentiator

Problem solved

Functional benefit

Brands

• CreditU: Mobile money management app designed to help users manage their personal finances, track debt payoff progress, and access their debt management program information.
• CreditU App

Products and services

• Debt Management Program (DMP)

Quantifiable outcome

• Debt payoff timeline: 36-60 months (typically 3-5 years)
• +3 more outcomes

Named customers1 record

Segments5 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration1 record

Feature5 records

Partnerships

Six partnerships are on record, tiered core.

• National Foundation for Credit Counseling (NFCC)coreStrategic or Co-development PartnerACCC is a Gold Standard member of the NFCC. Counselors are certified through the NFCC's certification program requiring initial certification, continuing education, and recertification every two years for credit counseling and annually for housing and student loan counseling. NFCC membership is the brand that consumer advocates point to when recommending financial counseling.
• Better Business Bureau (BBB)coreStrategic or Co-development PartnerACCC maintains A+ BBB accreditation, meeting strict standards of service quality and ethical practices. The BBB accreditation provides consumer trust and complaint resolution.
• Council on Accreditation (COA)coreStrategic or Co-development PartnerACCC is accredited by COA, one of the premier accreditors of human service organizations in the US and Canada. COA accreditation is required for NFCC membership.
• U.S. Department of Housing and Urban Development (HUD)coreStrategic or Co-development PartnerACCC is a HUD-approved housing counseling agency, authorized to provide reverse mortgage counseling, homebuyer education, and foreclosure prevention services.
• U.S. Department of Justice / Executive Office for U.S. TrusteescoreStrategic or Co-development PartnerACCC is approved by the Department of Justice to provide mandatory pre-filing bankruptcy counseling and post-bankruptcy debtor education courses required for bankruptcy proceedings.
• Financial Institutions and CreditorscoreStrategic or Co-development PartnerACCC negotiates with creditors on behalf of clients in debt management programs to reduce interest rates, waive fees, and establish payment plans. These relationships are fundamental to the DMP value proposition.

Scale indicators4 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• GreenPath Financial Wellness: GreenPath is a nonprofit NFCC-member credit counseling agency offering DMPs, credit counseling, bankruptcy counseling, and housing counseling nationwide. It competes head-to-head with ACCC for the same distressed consumer segment via the same credentialed, counselor-led model.
• InCharge Debt Solutions: InCharge is a nonprofit NFCC-affiliated credit counseling agency offering DMPs, housing counseling, bankruptcy counseling, and financial education. It serves the same consumer debt-distressed segment with a comparable fee and credentialed-counselor model.
• Clearpoint Credit Counseling Solutions: Clearpoint is a nonprofit credit counseling agency providing DMPs, housing counseling, bankruptcy counseling, and student loan counseling. It is a direct nonprofit peer serving the same customer base with the same DOJ/HUD-approved service mix.
• Navicore Solutions: Navicore Solutions is a nonprofit credit counseling agency providing credit counseling, DMPs, housing counseling, and financial education. It serves a similar distressed-consumer base with comparable HUD/DOJ-approved service offerings.
• Take Charge America: Take Charge America is a nonprofit credit counseling agency providing DMPs, credit counseling, housing counseling, and bankruptcy counseling services. It competes with ACCC in the same nonprofit, NFCC-affiliated, fee-regulated segment.
• Money Management International (MMI): MMI is one of the largest nonprofit credit counseling agencies in the U.S., providing DMPs, bankruptcy counseling, housing counseling, and financial education. Its scale, NFCC membership, and DOJ/HUD approvals make it a near-identical peer to ACCC.
• Money Fit by American Financial Solutions: Money Fit is a nonprofit credit counseling agency offering DMPs, bankruptcy counseling, housing counseling, and student loan counseling. It directly mirrors ACCC's service mix and target customer.
• Consolidated Credit Counseling Services: Consolidated Credit is a nonprofit credit counseling agency offering DMPs, credit counseling, bankruptcy counseling, and financial education programs. It overlaps directly with ACCC across core service lines and target customers.

Emerging players

• Dave: Dave is a digital-first fintech offering budgeting tools, cash advances, and money management. While not a credit counseling agency, it competes for the same financially stressed consumer attention through a mobile-first, low-friction alternative to traditional counseling.

Others

• National Foundation for Credit Counseling (NFCC): The NFCC is the umbrella nonprofit membership organization of which ACCC is a Gold Standard member. It sets industry standards, certifies counselors, and is not a direct competitor, but it shapes the regulatory and reputational landscape in which ACCC operates.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/accc_talkcents

Compliance5 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about American Consumer Credit Counseling