1. American Credit Card Solutions
error This company may not service all states.

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.

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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88 Reviews

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Geneveive Robledo

August 6th, 2020 Laguna Niguel, CA DETAILS arrow_drop_down
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Tania provided excellent customer service!! The best I have received from a ACCS staff member, she took the time to go over everything and seemed happy to do so!

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Louetta Cagle

July 7th, 2020 , TX

The staff are friendly and helpful. I just started the program so i haven't had any issues resolved yet..but just knowing how much they Will be helping me and my payment is affordable..i can already breathe!

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Amanda Lynn Richardson

June 26th, 2020 Elverson, PA

They're very responsive and easy to work with. I always am able to speak with someone about my account.

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Heather Bender

June 26th, 2020 Cusseta, AL

From the initial email and phone conversation, my questions have been answered. Everyone has been kind and nonjudgmental.

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Deniza Contreras

June 25th, 2020 Tucson, AZ DETAILS arrow_drop_down
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I am so pleased that I chose ACCS to help me with creditors. They keep in touch with me, the keep me updated and are very helpful. The reassurance that they have given me is awesome, especially when I was so nervous when I started the process. Everyone is so kind, and so knowledgeable and always ready to help and answer my questions. I would recommend ACCS to anyone. Thank You!

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Tawana Jacobs

June 24th, 2020 Germantown, MD DETAILS arrow_drop_down
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The last two years for me financially. An unexpected job loss really hurt. ACCS has been helpful and supportive of me as I worked to get back on more solid financial footing.

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Reply from American Credit Card Solutions

Jun 25, 2020

We are happy to help! Thank you!

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Sanford

June 23rd, 2020 Bradenton, FL DETAILS arrow_drop_down
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Better than expected and it took less than the expected time to settle my first account. Highly recommend this company

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Reply from American Credit Card Solutions

Jun 25, 2020

Thank you for the recommendation!

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TashaB

June 23rd, 2020 Red Lion, PA DETAILS arrow_drop_down
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We have had a great experience so far! Every person that I've talked to has been friendly and helpful. The process has been smooth and easy!

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Brandon Colbert

June 23rd, 2020 Waldorf, MD DETAILS arrow_drop_down
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They are very attentive and provide you with constant communication throughout the process. Any question you have will be answered.

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Carol Ronshausen

June 23rd, 2020 Marion, TX DETAILS arrow_drop_down
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They have worked with me to get all my debit taken care off and they are always in contact with me to let me know how things are going.

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Paula Thigpen

June 23rd, 2020 Baltimore, MD DETAILS arrow_drop_down
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They are very proactive in contacting you about your account. They are courteous and professional in all aspects of their work. They put you at ease with the process. They explain the process so you have no doubts about the various work with creditors.

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Reply from American Credit Card Solutions

Jun 23, 2020

Thank you for the positive feedback!

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Maureen V.

June 19th, 2020 Pottstown, PA DETAILS arrow_drop_down
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Easy to work with and able to talk with someone immediately when needed.

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Reply from American Credit Card Solutions

Jun 22, 2020

Thank you for the great feedback!

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Claudia Wright

June 19th, 2020 Austin, TX DETAILS arrow_drop_down
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While I am new to working this company there customer service is hands down the best. With these trying time the have been there every step of the way. With support, understanding, and solutions. I will continue working with them and refer them to family and friends.

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Reply from American Credit Card Solutions

Jun 22, 2020

Thank you so much! We appreciate the referral!

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TaNeshia Akers

June 19th, 2020 Galax, VA DETAILS arrow_drop_down
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They have been absolutely amazing to work with. They keep in contact with me about my account and call and keep me up to date. One of the best companies I have EVER worked with!

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Reply from American Credit Card Solutions

Jun 22, 2020

Thank you so much!

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Andrew evans

June 18th, 2020 Elizabethtown, PA DETAILS arrow_drop_down
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My experience with Credit Card Solutions was great and professional.

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Reply from American Credit Card Solutions

Jun 18, 2020

We are happy to help!

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Jessica Branch

June 18th, 2020 Pearland, TX DETAILS arrow_drop_down
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This company is very understanding and easy to work with.

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Reply from American Credit Card Solutions

Jun 18, 2020

Thank you so much for the feedback!

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nikki

June 17th, 2020 Guttenberg, IA DETAILS arrow_drop_down
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So far I have had a very good experiece with them. They have been very nice and explained any question I had. I just started with them but so far so good.

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Reply from American Credit Card Solutions

Jun 18, 2020

We are so glad we have been able to help! Thank you!

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Tanya Roberson

June 17th, 2020 DeSoto, TX

Very friendly, helpful and understanding.

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Reply from American Credit Card Solutions

Jun 18, 2020

Thank for the positive feedback!

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Adam Whitley

June 17th, 2020 Jacksonville, FL DETAILS arrow_drop_down
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They stay in contact with you every step of the way and help you with questions you need answers to.

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Reply from American Credit Card Solutions

Jun 19, 2020

Thank you so much for the positive feedback!

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sarah giannini

June 17th, 2020 , VA DETAILS arrow_drop_down
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The people are always very friendly and helpful

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Reply from American Credit Card Solutions

Jun 22, 2020

We are glad we have been able to help!

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Natasha Tidwell

June 2nd, 2020 La Mesa, CA DETAILS arrow_drop_down
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it was really great, she was very helpful

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Reply from American Credit Card Solutions

Jun 22, 2020

We are happy to help!

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Sandy Grassie

June 1st, 2020 Columbia, MD DETAILS arrow_drop_down
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The whole process was handled professionally and efficiently. Every rep that I’ve had contact with has been great. Jordan went above and beyond for me and I greatly appreciated her time and knowledge.

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Reply from American Credit Card Solutions

Jun 19, 2020

Thank you! We will definitely pass this on to Jordyn!

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Terri

May 29th, 2020 Kansas City, MO DETAILS arrow_drop_down
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I give ACCS a five star! I would recommend anyone to use this company as they have been awesome! Make sure you ask for Jordyn! She’s your girl and will do you right!!!! I love the people (especially Jordyn) !!!

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Reply from American Credit Card Solutions

Jun 18, 2020

Thank you for the recommendation!! We will make sure to pass this along to Jordyn as well!

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Mary Harris

May 28th, 2020 San Antonio, TX DETAILS arrow_drop_down
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They are great. They answer my questions anytime I call

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Reply from American Credit Card Solutions

Jun 19, 2020

That is what we are here for! Thank you!

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Tina Larsen

May 27th, 2020 Burbank, CA DETAILS arrow_drop_down
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Everyone I have spoken with has been friendly and informative. They answer my questions so that I can understand the answer and I feel no judgement over the situation I fine myself in. Thank You11

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Reply from American Credit Card Solutions

Jun 22, 2020

We are so glad we have been able to help!

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Gregory Phillips

May 27th, 2020 Miami, FL DETAILS arrow_drop_down
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Easy questions and answers, which are easily understood with great professionalism attitude.

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Reply from American Credit Card Solutions

Jun 22, 2020

We are happy that we have been able to answer your questions!

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jdunlap

November 12th, 2019 Jefferson, AR

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

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Barbara Muniz

November 12th, 2019 DETAILS arrow_drop_down
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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 11th, 2019 Goodyear, AZ DETAILS arrow_drop_down
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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 arrow_drop_down
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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 arrow_drop_down
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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 10th, 2019 San Antonio, TX DETAILS arrow_drop_down
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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 10th, 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 8th, 2019 Orange Park, FL DETAILS arrow_drop_down
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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 8th, 2019 Austin, TX DETAILS arrow_drop_down
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Everyone has been very helpful.

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Joe Tellez

November 8th, 2019 San Antonio, TX DETAILS arrow_drop_down
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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 arrow_drop_down
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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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Fred M Tsosie

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

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D C

November 7th, 2019 DETAILS arrow_drop_down
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Handled my case from start to finish. Very professional. Kept me informed throughout. Great results.

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Rina

November 7th, 2019 Jacksonville, FL DETAILS arrow_drop_down
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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 6th, 2019 New Oxford, PA DETAILS arrow_drop_down
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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 6th, 2019 York Haven, PA DETAILS arrow_drop_down
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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 6th, 2019 Bakersfield, CA DETAILS arrow_drop_down
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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 6th, 2019 Colonial Heights, VA DETAILS arrow_drop_down
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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 arrow_drop_down
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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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Jessica Anderson

November 6th, 2019 Wilkesboro, NC DETAILS arrow_drop_down
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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 arrow_drop_down
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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 arrow_drop_down
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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 arrow_drop_down
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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!