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 2–4 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 2–4 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.

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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.

The debts listed on your credit report will be marked as “settled” once you’ve reached and paid the settlement with creditors.

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.

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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.

View Best Debt Relief Companies

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User Reviews

Star Rating

4.9

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92 Reviews

Review Breakdown

5 grade

89%

4 grade

11%

3 grade

2 grade

1 grade

Sentiment Criteria

Value

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Quality

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Teresa Hamilton Stamps, AR

I've always had a great experience with ACCS. I was skeptical at first because I wasn't sure what to expect. They have drastically lowered my debts with creditors tremendously. I would highly recommend them to anyone who is having financial difficulties.

3 months ago

Reply from American Credit Card Solutions

Thank you for the recommendation!

Jan. 22nd, 2021

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Deniza Contreras Tucson, AZ

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!

10 months ago

Reply from American Credit Card Solutions

Thank you for the 5 star review!

Jan. 22nd, 2021

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grandma856 Winchester, CA

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!!

1 year ago

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Mark Hanes Colonial Heights, VA

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.

1 year ago

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Paula Thigpen Baltimore, MD

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.

10 months ago

Reply from American Credit Card Solutions

Thank you for the positive feedback!

Jun. 23rd, 2020

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Claudia Wright Austin, TX

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.

10 months ago

Reply from American Credit Card Solutions

Thank you so much! We appreciate the referral!

Jun. 22nd, 2020

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Alex Goodyear, AZ

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.

1 year ago

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Dave Guerra Potterville, MI

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.

1 year ago

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Jacqueline Robinson Austin, TX

when I first became acquainted with your organization, I was a bit reluctant because I did not want my creditors to lose any money. But since I have no choice except to go through with it I have found your company to be quite friendly and polite, not to mention patient, especially Mr Danny C. I found him to be very nice and honest. He needs a raise for his hard work. I am happy with your company because you solve things with persistence and in a timely manner. Most importantly you keep in contact with people so that we may know what's going on. Thank you so much.

1 year ago

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Louetta Cagle , 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!

10 months ago

Reply from American Credit Card Solutions

We are so happy we were able to help!

Jan. 19th, 2021

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TaNeshia Akers Galax, VA

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!

10 months ago

Reply from American Credit Card Solutions

Thank you so much!

Jun. 22nd, 2020

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Sandy Grassie Columbia, MD

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.

11 months ago

Reply from American Credit Card Solutions

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

Jun. 19th, 2020

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Terri Kansas City, MO

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) !!!

11 months ago

Reply from American Credit Card Solutions

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

Jun. 18th, 2020

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Tina Larsen Burbank, CA

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

11 months ago

Reply from American Credit Card Solutions

We are so glad we have been able to help!

Jun. 22nd, 2020

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Barbara Muniz

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!

1 year ago

Reply from American Credit Card Solutions

We appreciate the recommendation!

Feb. 5th, 2021

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Jenn K. New Oxford, PA

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.

1 year ago

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Peggy Gearhart Three Oaks, MI

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

1 year ago

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Eva Scott Coatesville, PA

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!

1 year ago

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Paul Wilson Williamsport, MD

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!

1 year ago

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Robert Kompes Jr Phoenix, AZ

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.

1 year ago

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Kathy Varble Richmond, IN

It was a wonderful feeling and burden your company took off our shoulders. My payments were affordable . Miss Angie was the best at answering all my questions. I would recommend your company to anyone! Thank You so much!!

1 year ago

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pS Lodi, CA

This was a very difficult decision for me to make, but I could no longer manage the payments and was falling further and further behind. ACCS provided me with an option to consolidate my debt and resolve my payments. The process isn't always easy, but they have stayed in touch with me and let me know what's going on with my accounts and the resolution of my debt. I got myself into this situation, but I'm grateful for ACCS helping me get out of it.

1 year ago

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DeVina Eidson Long Beach, CA

Great customer service. Very helpful in getting my needs and wants met within the program

3 months ago

Reply from American Credit Card Solutions

Thank you so much for the positive feedback!

Feb. 4th, 2021

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Johnny Greenville, TX

The program has helped work out my debt problems and reduced calls. Really helped my debt problem.

3 months ago

Reply from American Credit Card Solutions

We are happy to help, thank you!

Feb. 5th, 2021

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Donna Armstrong Sacramento, CA

This company has been a lifesaver for me! They are helpful and respond quickly to emails.

3 months ago

Reply from American Credit Card Solutions

That is what we are here for! Thank you!

Feb. 5th, 2021

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Geneveive Robledo Laguna Niguel, CA

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!

9 months ago

Reply from American Credit Card Solutions

Thank you so much for the positive feedback about Tania!

Jan. 19th, 2021

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Tawana Jacobs Germantown, MD

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.

10 months ago

Reply from American Credit Card Solutions

We are happy to help! Thank you!

Jun. 25th, 2020

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Marta Hernandez Hialeah, FL

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.

1 year ago

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M anthony San Antonio, TX

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

1 year ago

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Leroy George Orange Park, FL

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.

1 year ago

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Donald F Tutino 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!

1 year ago

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LORRY MAY York Haven, PA

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.

1 year ago

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Tony Amarillo, TX

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.

1 year ago

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Andrea Smithfield, NC

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!!

1 year ago

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Jessica Demarce Pawnee, OK

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...

1 year ago

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Elizabeth Rochester, PA

I believe this company does a good job resolving debt. I had 14 credit cards that I had to pay and was unable to do so because of circumstances beyond my control. I gave them 9 creditors to pay and have paid off 4 of them in the last 6 months. What a great team effort.

1 year ago

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Dawayne M. East Lansing, MI

They have helped me tremendously with my debt. The rates at which they settle are very high. All of my creditors but one were settled super quickly, the last one was just being super stubborn.

1 year ago

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TashaB Red Lion, PA

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!

10 months ago

Reply from American Credit Card Solutions

Thank you for the positive feedback!

Jan. 20th, 2021

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Brandon Colbert Waldorf, MD

They are very attentive and provide you with constant communication throughout the process. Any question you have will be answered.

10 months ago

Reply from American Credit Card Solutions

We are here to answer all your questions, thank you!

Jan. 22nd, 2021

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Carol Ronshausen Marion, TX

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.

10 months ago

Reply from American Credit Card Solutions

We are so glad we have been able to assist you!

Feb. 5th, 2021

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nikki Guttenberg, IA

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.

10 months ago

Reply from American Credit Card Solutions

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

Jun. 18th, 2020

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Rina Jacksonville, FL

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

1 year ago

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Jessica Anderson Wilkesboro, NC

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.

1 year ago

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C Noonan Wilmington, NC

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.

1 year ago

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Lindsey Higgins Brighton, MI

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

1 year ago

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Marcela Broe Berkeley, CA

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

1 year ago

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Linda Grier-Hughes Philadelphia, PA

I have not experienced any problems since I became a client. When I have a need I am immediately served and not put on hold, neither am I passed from one person to another

1 year ago

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Sandra L Ortiz Boynton Beach, FL

Wonderful customer service. She was so patient and professional throughout our lengthy conversations. She took her time to answering all of my questions and concerns.

1 year ago

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Amanda Lynn Richardson Elverson, PA

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

10 months ago

Reply from American Credit Card Solutions

We are so happy we have been able to assist you!

Jan. 19th, 2021

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Heather Bender Cusseta, AL

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

10 months ago

Reply from American Credit Card Solutions

We are happy to assist you!

Jan. 20th, 2021

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