American Credit Card Solutions offers debt settlement services in 26 states. Ideal candidates for American Credit Card Solutions debt settlement services have at least $10,000 in unsecured debt. If you have lower amounts of unsecured debt, you can use the free consultation to see if you qualify for the company’s services.

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The Good

  • Follows Federal Trade Commission Rules and Regulations
  • Debts Settled in Two to Four Years
  • 24/7 Access to Account

Follows Federal Trade Commission Rules and Regulations

American Credit Card Solutions follows the standards set by the Federal Trade Commission (FTC) for debt settlement. These guidelines include providing free consultations and charging no upfront fees.

The company’s commitment to these standards demonstrates its dedication to treating clients well.

Debts Settled in Two to Four Years

Once you decide to pursue debt settlement and enroll in American Credit Card Solutions’s program, you’ll start setting money aside every month in a separate account to save up to make settlement payments. Debt settlement clients typically do this instead of making monthly payments on their debts.

Once you’ve enrolled, it will be a few months before negotiations start. To settle all of your debt, it usually takes two to four years.

24/7 Access to Account

If you enroll your debt with American Credit Card Solutions, you’ll have full access to your account with your debt settlement savings through the online client portal. The company’s customer service representatives will also contact you with updates on your case.

The Bad

  • Cost
  • Credit Score Impact
  • Limited Availability

Cost

Debt settlement services can be expensive. Debt settlement companies typically charge a set percentage of the total debt you enroll in their program. Fees for debt settlement are regulated by law, so the costs will vary based on your location. Ask questions and be sure you understand how much settlement will cost during the free consultation.

Credit Score Impact

Debt settlement usually has a negative effect on your credit score because clients generally stop making payments on their debts. Have a plan to rebuild your credit score before entering debt settlement.

Additionally, once you’ve reached and paid the settlement, those debts on your credit report will be marked as “settled.”

Limited Availability

American Credit Card Solutions only offers services in 26 states. If its services are not available in your area, you’ll need to consider other debt relief service providers.

The Bottom Line

If you’re interested in debt settlement, American Credit Card Solutions is a good company to consider. Take advantage of the free consultation to ask questions about the process, its costs, and ways to mitigate the risks.

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User Reviews

Star Rating

4.9
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65 Reviews

Review Breakdown

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jdunlap
November 13th, 2019 Jefferson, AR

Always helpful! Always there to answer any questions we had!

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Barbara Muniz
November 12th, 2019 DETAILS
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ACCS is the best company out there for any credit card solutions! They help you with anything you need. I like that you can decide what you can afford and they make it happen. I have recommended them to friends and co-workers. They have been a Godsend for me: they have literally saved me thousands of dollars!

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Alex
November 12th, 2019 Goodyear, AZ DETAILS
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I was very Leary on joining these kind of companies but I knew I needed help with the financial hole I got myself into. After looking at all my options I’m glad I went with this company. They upgraded their website and it is more detailed and it’s nice to be able to track how your money is being dispensed. Pay attention to it. Just like you do your own bank. If you have any questions or concerns customer service is very helpful in answering your questions.

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Tonya napoli
November 11th, 2019 North Richland Hills, TX DETAILS
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Accs is awesome they have helped me so much.i would definately refer them to family and friends

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Marta Hernandez
November 11th, 2019 Hialeah, FL DETAILS
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Thanks ACCS.... good attention and professionalism in every call.... your help has changed my financial life from the beginning.... I definitely recommend it to everyone.... Thank you.

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M anthony
November 11th, 2019 San Antonio, TX DETAILS
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They are very professional when you call them they take care of all your needs if you need help they are very understanding about your need I would highly recommend accs to anyone that is having financial difficulties

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Carol
November 11th, 2019 Winter Haven, FL

I just started! The two people I talked to we’re very helpful and answered all the questions I had!

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Leroy George
November 11th, 2019 Orange Park, FL DETAILS
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Customer service is a plus. I spoke with Erin, she was very polite and professional. I had a simply question and she took care of it. Erin, thanks for your quick service you provided.

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Shari M
November 11th, 2019 Austin, TX DETAILS
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Everyone has been very helpful.

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Joe Tellez
November 11th, 2019 San Antonio, TX DETAILS
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ACCS has been very responsive to my e-mail and calls.

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Donald F Tutino
November 8th, 2019 Campbell, CA

I had numerous questions about my new account and how the process worked. The Client Services staff patiently worked with me and all my questions and concerns. I am very impressed with their level of customer service!

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grandma856
November 8th, 2019 Winchester, CA DETAILS
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I joined the ACCS debt program 2 yrs ago (after researching several similar companies). And I am very pleased! The counselors and representatives are very respectful, pleasant, and knowledgeable. They always answer their phones,( you actually speak to a human). My payments to ACCS each month are applied to my debt exactly as promised. My monthly payments are about 1/3 of what I was originally paying to my creditors! I have complete access to my account, so it's easy to keep track of payments, settlements and amounts still owed. Over the past year, my credit score has increased by 85 points, and I am finally able to actually save money each month. Thank you ACCS!!

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D C
November 8th, 2019 DETAILS
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Handled my case from start to finish. Very professional. Kept me informed throughout. Great results.

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Fred M Tsosie
November 7th, 2019 Gilbert, AZ DETAILS
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Always polite, specific, helpful, overall satisfying experience.

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Rina
November 7th, 2019 Jacksonville, FL DETAILS
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They explained everything effectively I have never had any issues since sign up. They’re always available when I have questions or need to change my payment date

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Jenn K.
November 7th, 2019 New Oxford, PA DETAILS
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I have had nothing but top notch service from the minute I initiated contact with ACCS. Everyone has been professional, friendly, quick to assure me that there is help available through ACCS and answered my questions even when I re-asked some of the same ones just to be assured I was making the right decision.

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LORRY MAY
November 7th, 2019 York Haven, PA DETAILS
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They have been very helpful, from my initial contact, through account set-up, and now during the negotiation process, everyone I've had contact with have gone the extra mile.

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Norma
November 7th, 2019 Bakersfield, CA DETAILS
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Definitely America card solution works with me every time. Thanks for answering my question and helping me in not skipping a payment.

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Mark Hanes
November 7th, 2019 Colonial Heights, VA DETAILS
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I AM REALLY IMPRESSED WITH THE WAY THAT AMERICAN CREDIT CARD SOLUTIONS HANDLES MY ACCOUNT. WHEN I HAVE A QUESTION OR QUESTIONS THEY COMFORT ME IN HANDLING THE SITUATION FOR ME. FOR EXAMPLE: IF I GET A CALL FROM THE DEBT COLLECTOR ACCS TELLS ME NOT TO ANSWER THE CALL AND WHEN I RECEIVE CORRESPONDENCE FROM MY CREDITOR'S THAT I HAVE ACCOUNTS WITH I SEND THE BILLS THROUGH GMAIL AND THEY RECEIVE IT THE SAME DAY. ALSO THEY WILL NOTIFY ME WHEN THEY RECEIVE MY BILLS AND DEBT COLLECTOR LETTERS WHICH MAKES ME FEEL SECURE BECAUSE THEY ARE NOT ONLY WORKING WITH ME BUT MY CREDITORS AS WELL. I AM VERY HAPPY THAT THE CUSTOMER SERVICE REPS AT ACCS ARE VERY PLEASANT TO TALK TO ON THE PHONE AND ARE VERY HELPFUL IN HANDLING MY SITUATION.

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Peggy Gearhart
November 6th, 2019 Three Oaks, MI DETAILS
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ACCS has been a lifesaver for me.. getting me out of debt and i can trust them to do what they say. If I call with a question or concern they are quick and efficient and very nice to deal with .. id recommend them to anyone who needs a new start .. thank you

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Olga Martinez
November 6th, 2019 High Point, NC

Very nice and helpful. explained everything I needed help with.

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Jessica Anderson
November 6th, 2019 Wilkesboro, NC DETAILS
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This service has really helped me on my journey to becoming debt-free. Friendly people, great customer service, and they work with me on my payment dates.

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Eva Scott
November 6th, 2019 Coatesville, PA DETAILS
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American Credit Card Services have definitely been a major solution for me. With the debt that I have and still have they have been very encouraging as to it being resolved. I am so grateful that I chose American Credit Card Solutions they are wonderful!

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Beverly
November 6th, 2019 Butler, MO DETAILS
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ACCS helped us make our way out of debt. They were so friendly and helpful.

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Paul Wilson
November 6th, 2019 Williamsport, MD DETAILS
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My experience with ACCS has been tremendous! Every staff member that I've had contact with has been very personable and prompt in helping resolve any issue I may have. They are only a phone call away and I've never had to wait or talk to a machine. This would certainly be the first company I would recommend to anyone!

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Tony
November 6th, 2019 Amarillo, TX DETAILS
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American credit card solutions has done a great job dealing with my situation. Everyone I have spoken with have been very helpful and courteous to the needs of resolving my issues.

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C Noonan
November 6th, 2019 Wilmington, NC DETAILS
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Through great customer service and the clarity of solutions available to me, I am beginning to feel relief and seeing positive outcomes for resolving my debt.

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T. Rivers
November 6th, 2019 Lemon Grove, CA DETAILS
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I wasn't sure if I was doing the right thing at first, but they really proved to be a great company and worked miracles for me.

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Lindsey Higgins
November 6th, 2019 Brighton, MI DETAILS
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Customer service has always been very friendly and helpful when I call with any questions. I just wish I would have had the whole process of settling claims better explained in the beginning. Other than that great service

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Claudia Roman
November 5th, 2019 Houston, TX DETAILS
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No complaints.. Always very helpful with answering my question and very prompt.

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Brenda Upshaw
November 5th, 2019 Natchitoches, LA DETAILS
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I have had an excellent experience with ACCS so far. All of my questions have been answered and I am kept up to date about all of my accounts.

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Barb
November 5th, 2019 Houston, TX DETAILS
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ACCS has been great! I appreciate the flexibility!

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Danyelle Fowler
November 5th, 2019 Garland, TX DETAILS
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So , far my experience has been great and everyone that I've spoken with has been knowledgeable .

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John
November 5th, 2019 Chandler, AZ DETAILS
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ACCS gives you peace of mind, and its Customer Service staff is second to none!

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Kari
November 4th, 2019 Little Rock, AR DETAILS
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Its been a smooth process and very informative.

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Roshonda Summers
November 4th, 2019 West Palm Beach, FL DETAILS
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Really good company having been with them that long. but already settle one of my debt l on my way to getting me credit back in shape.

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Cristy
November 4th, 2019 Sanderson, FL

They have been so easy to work with and have answered all of my questions!

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Corryn Moore
November 4th, 2019 Richmond, VA DETAILS
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Super helpful and friendly. I was able to get my portal set up quickly and had everything I needed at my at my fingertips to track my progress.

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Beth
November 4th, 2019 Keller, TX DETAILS
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I’m kept informed on my program progress through calls and online access. The program is easy and I’m really glad I did it.

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Libby Chappell
November 4th, 2019 Mecosta, MI DETAILS
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Your representatives are very friendly and have always helped me feel comfortable and knowledgeable of everything that they have spoken with me about they have made sure to make me feel totally at ease and I’m very appreciative of your company if I could give you a rating of 10+ I would excellent customer service excellent representative excellent overall of every experience I’ve had with your company totally satisfied

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Dave Guerra
November 1st, 2019 Potterville, MI DETAILS
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They were able to settle for about 50% less than what I owed. Great customer service and they answered every question I have ever asked in a very polite and professional answer. Everytime I need to move a payment date, they asked no questions and were able to move it. They saved me a bunch of money and I would recommend them to anyone in my situation.

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Marcela Broe
November 1st, 2019 Berkeley, CA DETAILS
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ACCS has kept me up to date and informed about my account status. They have helped me a lot with resolving debt issues. I highly recommend their services. Marcela Broe

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Albert M Morales
November 1st, 2019 Phoenix, AZ

They answered all my questions make me feel so safe

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Rebeca Carpio Fonseca
November 1st, 2019 Berrien Springs, MI DETAILS
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They were very kind and helpful with answering my questions.

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Robert Kompes Jr
November 1st, 2019 Phoenix, AZ DETAILS
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This company is GREAT... they worked with my creditors and got good deals/ payoffs! Any time I had a question and called the associates I spoke with were professional and treated me like they cared about helping me achieve my goal of getting out of debt and paying my creditors. Thanks You!!!! Robert Kompes Hr.

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MARJOURIE PAIZ PEREZ
November 1st, 2019 Los Angeles, CA

Had a wonderful experience. The representative were very helpful

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Andrea
October 31st, 2019 Smithfield, NC DETAILS
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Honestly at first I was so nervous about this process. But every step of the way all it took was a phone call and I received a satisfactory answer from a friendly person every time. So far, so good!!

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MikeM
October 31st, 2019 Sacramento, CA DETAILS
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Overall I am pretty satisfied with ACCS. They made it easy to consolidate several of my payday loans into a simple, manageable monthly payment. I was able to negotiate one account MUST faster than ACCS and as such I’m not 100% confident they work very aggressively with creditors to reach a settlement in the least amount of time possible.

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Antonio G Cuervo
October 31st, 2019 Fort Lauderdale, FL DETAILS
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ACCS has done wonders for me. The process was easy and I'm paying less than I would have normally.

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Jessica Demarce
October 31st, 2019 Pawnee, OK DETAILS
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They have made the process of becoming debt free from my credit cards so painless and have worked with me when I was struggling with payments and there employees really go above and beyond for me...