American Consumer Credit Counseling
Overview
Nonprofit credit-counseling organization offering budget counseling, debt-management, bankruptcy, housing, student-loan and financial-education services. [1][2]
Tax Status & Ownership
| Entity type | Nonprofit, 501(c)(3) |
| Legal name | American Consumer Credit Counseling, Inc. [1] |
| EIN | 04-3166982 [3] |
| Headquarters | 130 Rumford Ave., Suite 202, Auburndale, MA 02466-1317 [1] |
Public Financials — 2023 [cite:3]
| Total revenue | $14,182,369 |
| Total expenses | 13,202,348 |
| Net assets, year end | 16,463,508 |
| Program service revenue | 81% |
| Contributions and grants | 6% |
Form 990 data for fiscal year ending December 2023 reports $11,524,541 in program-service revenue, equal to 81.3% of total revenue. This percentage is a general reliance-on-fees proxy only; it is not the IRC §501(q) fair-share cap. [3]
Published Fee Schedule
| Structure | flat |
| One-time setup fee | $39 one-time DMP enrollment fee; may be waived or reduced for hardship or state-law reasons. [1][4] |
| Monthly fee | $7 per account, minimum $7 and maximum $70; provider-reported average monthly maintenance fee is $25. [1][4] |
| Directory summary | $39 one-time enrollment fee plus a monthly fee of $7 per enrolled account (max $70), averaging about $25. Fees may be reduced or waived for hardship or military service. |
The two provider pages agree on the published fee schedule. ACCC states that fees are intended to help defray service costs and are subject to state regulations and hardship waivers. [1][4]
Coverage
Geographical coverage differs by measurement: ACCC claims national coverage—50 states plus the District of Columbia—and licensing in 32 licensing states; its disclosure page lists state-specific licenses or registrations. BBB separately lists 22 locations, which is a physical-location count rather than a service-coverage count. [2][5]
Accreditation & Licensing
BBB shows an A+ rating and accredited-business status. ACCC states that it is COA-accredited and an NFCC member, but a dated COA accreditation record was not located in the reviewed sources. [1][5]
Regulatory & Complaint History
| CFPB complaints | |
| BBB complaints closed, 3 yr | 5 |
| Figures as of | September 18, 2026 |
BBB reports 16 complaints in the preceding three years and 5 complaints closed in the preceding 12 months as displayed on the profile reviewed September 14, 2026. BBB states that the profile includes headquarters and corporate-owned locations and may not include every complaint. A CFPB complaint count was not established from the reviewed public source. [5]
Cited Sources
- American Consumer Credit Counseling official website — American Consumer Credit Counseling (September 14, 2026) — First-party provider website.
- About American Consumer Credit Counseling — American Consumer Credit Counseling (September 14, 2026) — First-party organizational identity, nonprofit status, founding year, services, and coverage claims.
- Credit Counseling & Debt Management FAQs — American Consumer Credit Counseling (September 14, 2026) — First-party fee schedule, funding-model disclosure, accreditation claims, and licensing claims.
- American Consumer Credit Counseling Inc — Nonprofit Explorer — ProPublica (September 14, 2026) — Reproduces IRS Form 990 data, including EIN, fiscal year, revenue, expenses, net assets, program-service revenue, and executive compensation.
- Debt Management Program FAQs — American Consumer Credit Counseling (September 14, 2026) — Independent first-party page confirming the published DMP fee structure.
- American Consumer Credit Counseling, Inc. BBB Complaints Profile — Better Business Bureau (September 14, 2026) — BBB accreditation, rating, location count, and complaint totals.
- State Licenses & Disclosures — American Consumer Credit Counseling (September 14, 2026) — First-party state-by-state license and registration disclosures.