Quick Facts
Full Review
American Consumer Credit Counseling might have the best numbers of any agency on this list. A 4.98-star BBB average from over 450 reviews. Over 3,800 five-star Google reviews. Only 8 BBB complaints in three years. And a setup fee of just $39 with monthly fees starting at $7. Those are hard numbers to beat.
Based in Auburndale, Massachusetts, ACCC has been operating for over 30 years as a nonprofit and is NFCC certified. They serve consumers nationwide.
How Their DMP Works
Free counseling and budget analysis first, as with all NFCC agencies. If a DMP is appropriate, the one-time setup fee is $39 (one of the lowest in the industry) and monthly maintenance fees range from $7 to $70 depending on your state's regulations and your financial situation. Fees can be reduced or waived for hardship.
That $7 starting point for monthly fees is genuinely unusual. Most agencies start at $25 or more. Over a 4-year DMP, the difference between $7/month and $40/month is nearly $1,600 in fees. That's real money when you're already stretched thin.
What Customers Say
The review profile is nearly spotless. Customers praise the low fees, clear communication, and effective interest rate reductions. The handful of negative reviews from 2025-2026 mention difficulty reaching customer service and some confusion about contract terms. With 8 complaints in three years across thousands of clients, these are genuine outliers.
Who Should Consider ACCC
If low fees are your priority (and when you're already in debt, they should be), ACCC is tough to beat. The $39 setup and $7-$70 monthly range puts them at or near the cheapest option nationally. Combined with the near-perfect review scores, they're one of the strongest recommendations on this entire page.
Pros and Cons
Pros
- Lowest fee structure among major agencies ($39 setup, $7-$70/month)
- 4.98-star BBB average from 450+ reviews
- 3,800+ five-star Google reviews
- Only 8 BBB complaints in three years
- NFCC certified, 30+ years in business
Cons
- Some recent reports of difficulty reaching customer service
- Monthly fees can reach $70 in some states
- Occasional confusion about contract terms reported
- Does not reduce your balance, only interest rates
Where to Read More
Read reviews on: BBB, ConsumerAffairs