American Consumer Credit Counseling, Inc.

American Consumer Credit Counseling, known as ACCC, is a nonprofit credit counseling organization in Newton that has helped people with debt since 1991. It works with individuals and families stressed by credit card debt, offering credit counseling, debt management advice and debt consolidation through structured Debt Management Plans. ACCC does not lend money; instead, its plans roll multiple debts into one monthly payment, often with lower interest rates and reduced fees.

The organization positions its Debt Management Plans as an alternative to consolidation loans, debt settlement and bankruptcy, aiming to pay down debt faster while limiting long-term damage to credit. Counselors focus on building financial literacy so clients can develop their own debt management methods. ACCC serves consumers nationwide, and Allen Amadin of ACCC describes the work as giving people the tools to reach self-sufficiency and lasting financial stability.

What to Know

• Initial consultations are free.
• Enrolled clients can track their program, due dates and documents through an online client portal.
• The CreditU app helps clients monitor progress toward their financial goals.