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.

Why Can I Trust Bestcompany.com arrow_drop_down

User Reviews

Star Rating

4.9
starstarstarstarstar_half

87 Reviews

Review Breakdown

5 star
89%
4 star
11%
3 star
0%
2 star
0%
1 star
0%

Sentiment Criteria

Value for your money
starstarstarstarstar_half
Quality of product or service
starstarstarstarstar_half
Customer service
starstarstarstarstar_half
Company trustworthiness
starstarstarstarstar_half
search cancel
starstarstarstarstar

C Noonan

November 5th, 2019 Wilmington, NC DETAILS arrow_drop_down
Value for your money
starstarstarstarstar
Quality of product or service
starstarstarstarstar
Customer service
starstarstarstarstar
Company trustworthiness
starstarstarstarstar

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.

starstarstarstarstar

T. Rivers

November 5th, 2019 Lemon Grove, CA DETAILS arrow_drop_down
Value for your money
starstarstarstarstar
Quality of product or service
starstarstarstarstar
Customer service
starstarstarstarstar
Company trustworthiness
starstarstarstarstar

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.

starstarstarstarstar_border

Lindsey Higgins

November 5th, 2019 Brighton, MI DETAILS arrow_drop_down
Value for your money
starstarstarstarstar
Quality of product or service
starstarstarstarstar
Customer service
starstarstarstarstar
Company trustworthiness
starstarstarstarstar_border

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

starstarstarstarstar

Claudia Roman

November 5th, 2019 Houston, TX DETAILS arrow_drop_down
Value for your money
starstarstarstarstar
Quality of product or service
starstarstarstarstar
Customer service
starstarstarstarstar
Company trustworthiness
starstarstarstarstar

No complaints.. Always very helpful with answering my question and very prompt.

starstarstarstarstar

Brenda Upshaw

November 5th, 2019 Natchitoches, LA DETAILS arrow_drop_down
Value for your money
starstarstarstarstar
Quality of product or service
starstarstarstarstar
Customer service
starstarstarstarstar
Company trustworthiness
starstarstarstarstar

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.

starstarstarstarstar

Barb

November 5th, 2019 Houston, TX DETAILS arrow_drop_down
Value for your money
starstarstarstarstar
Quality of product or service
starstarstarstarstar
Customer service
starstarstarstarstar
Company trustworthiness
starstarstarstarstar

ACCS has been great! I appreciate the flexibility!

starstarstarstarstar_border

Danyelle Fowler

November 4th, 2019 Garland, TX DETAILS arrow_drop_down
Value for your money
starstarstarstarstar_border
Quality of product or service
starstarstarstarstar_border
Customer service
starstarstarstarstar
Company trustworthiness
starstarstarstarstar_border

So , far my experience has been great and everyone that I've spoken with has been knowledgeable .

starstarstarstarstar

John

November 4th, 2019 Chandler, AZ DETAILS arrow_drop_down
Value for your money
starstarstarstarstar
Quality of product or service
starstarstarstarstar
Customer service
starstarstarstarstar
Company trustworthiness
starstarstarstarstar

ACCS gives you peace of mind, and its Customer Service staff is second to none!

starstarstarstarstar

Kari

November 4th, 2019 Little Rock, AR DETAILS arrow_drop_down
Value for your money
starstarstarstarstar
Quality of product or service
starstarstarstarstar
Customer service
starstarstarstarstar
Company trustworthiness
starstarstarstarstar

Its been a smooth process and very informative.

starstarstarstarstar

Roshonda Summers

November 4th, 2019 West Palm Beach, FL DETAILS arrow_drop_down
Value for your money
starstarstarstarstar
Quality of product or service
starstarstarstarstar
Customer service
starstarstarstarstar
Company trustworthiness
starstarstarstarstar

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.

starstarstarstarstar

Cristy

November 4th, 2019 Sanderson, FL

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

starstarstarstarstar

Corryn Moore

November 1st, 2019 Richmond, VA DETAILS arrow_drop_down
Value for your money
starstarstarstarstar
Quality of product or service
starstarstarstarstar
Customer service
starstarstarstarstar
Company trustworthiness
starstarstarstarstar

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.

starstarstarstarstar

Beth

November 1st, 2019 Keller, TX DETAILS arrow_drop_down
Value for your money
starstarstarstarstar
Quality of product or service
starstarstarstarstar
Customer service
starstarstarstarstar
Company trustworthiness
starstarstarstarstar

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.

starstarstarstarstar

Dave Guerra

November 1st, 2019 Potterville, MI DETAILS arrow_drop_down
Value for your money
starstarstarstarstar_border
Quality of product or service
starstarstarstarstar
Customer service
starstarstarstarstar
Company trustworthiness
starstarstarstarstar

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.

starstarstarstarstar

Marcela Broe

November 1st, 2019 Berkeley, CA DETAILS arrow_drop_down
Value for your money
starstarstarstarstar
Quality of product or service
starstarstarstarstar
Customer service
starstarstarstarstar
Company trustworthiness
starstarstarstarstar

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

starstarstarstarstar

Albert M Morales

November 1st, 2019 Phoenix, AZ

They answered all my questions make me feel so safe

starstarstarstarstar

Rebeca Carpio Fonseca

November 1st, 2019 Berrien Springs, MI DETAILS arrow_drop_down
Value for your money
starstarstarstarstar
Quality of product or service
starstarstarstarstar
Customer service
starstarstarstarstar
Company trustworthiness
starstarstarstarstar

They were very kind and helpful with answering my questions.

starstarstarstarstar

Robert Kompes Jr

November 1st, 2019 Phoenix, AZ DETAILS arrow_drop_down
Value for your money
starstarstarstarstar
Quality of product or service
starstarstarstarstar
Customer service
starstarstarstarstar
Company trustworthiness
starstarstarstarstar

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.

starstarstarstarstar

MARJOURIE PAIZ PEREZ

November 1st, 2019 Los Angeles, CA

Had a wonderful experience. The representative were very helpful

starstarstarstarstar

Andrea

October 31st, 2019 Smithfield, NC DETAILS arrow_drop_down
Value for your money
starstarstarstarstar
Quality of product or service
starstarstarstarstar
Customer service
starstarstarstarstar
Company trustworthiness
starstarstarstarstar

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!!

starstarstarstarstar

Antonio G Cuervo

October 31st, 2019 Fort Lauderdale, FL DETAILS arrow_drop_down
Value for your money
starstarstarstarstar
Quality of product or service
starstarstarstarstar
Customer service
starstarstarstarstar
Company trustworthiness
starstarstarstarstar

ACCS has done wonders for me. The process was easy and I'm paying less than I would have normally.

starstarstarstarstar

Jessica Demarce

October 31st, 2019 Pawnee, OK DETAILS arrow_drop_down
Value for your money
starstarstarstarstar
Quality of product or service
starstarstarstarstar
Customer service
starstarstarstarstar
Company trustworthiness
starstarstarstarstar

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...

starstarstarstarstar_border

Elizabeth

October 31st, 2019 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.

starstarstarstarstar

Linda Grier-Hughes

October 30th, 2019 Philadelphia, PA DETAILS arrow_drop_down
Value for your money
starstarstarstarstar
Quality of product or service
starstarstarstarstar
Customer service
starstarstarstarstar
Company trustworthiness
starstarstarstarstar

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

starstarstarstarstar

Marisa Bowles

October 30th, 2019 San Ramon, CA DETAILS arrow_drop_down
Value for your money
starstarstarstarstar
Quality of product or service
starstarstarstarstar
Customer service
starstarstarstarstar
Company trustworthiness
starstarstarstarstar

Always very quick to answer the phone, very friendly customer service, and always resolve my issue (which is usually my fault) right away.

starstarstarstarstar

Nikki Onhvandy

October 30th, 2019 Scranton, PA

Every one I had talked to had helped me ease my mind about taking the next step in becoming debt free and chancing this program.

starstarstarstarstar

RACHAEL CORTEZ

October 30th, 2019 San Bernardino, CA DETAILS arrow_drop_down
Value for your money
starstarstarstarstar
Quality of product or service
starstarstarstarstar
Customer service
starstarstarstarstar
Company trustworthiness
starstarstarstarstar

I have a very good experience. I would say my needs were met. It was very exceptional

starstarstarstarstar

Sandra L Ortiz

October 30th, 2019 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.

starstarstarstarstar

Stephanie Ruth

October 30th, 2019 Chesapeake, VA DETAILS arrow_drop_down
Value for your money
starstarstarstarstar
Quality of product or service
starstarstarstarstar
Customer service
starstarstarstarstar
Company trustworthiness
starstarstarstarstar

I had a great experience. They were super helpful and gave me all the information I needed..The service was helpful w all my questions

starstarstarstarstar

Kathy Varble

October 30th, 2019 Richmond, IN DETAILS arrow_drop_down
Value for your money
starstarstarstarstar
Quality of product or service
starstarstarstarstar
Customer service
starstarstarstarstar
Company trustworthiness
starstarstarstarstar

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!!

starstarstarstarstar_border

Bill

October 30th, 2019 Vicksburg, MI DETAILS arrow_drop_down
Value for your money
starstarstarstarstar_border
Quality of product or service
starstarstarstarstar_border
Customer service
starstarstarstarstar_border
Company trustworthiness
starstarstarstarstar_border

Enjoying working with you the only thing is I wish that they would settle my accounts a little faster

starstarstarstarstar_border

Donna

October 30th, 2019 DETAILS arrow_drop_down
Value for your money
starstarstarstarstar_border
Quality of product or service
starstarstarstarstar_border
Customer service
starstarstarstarstar
Company trustworthiness
starstarstarstarstar

They are a good company for debt relief. They work with you on payments.

starstarstarstarstar

Jacqueline Robinson

October 30th, 2019 Austin, TX DETAILS arrow_drop_down
Value for your money
starstarstarstarstar
Quality of product or service
starstarstarstarstar
Customer service
starstarstarstarstar
Company trustworthiness
starstarstarstarstar

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.

starstarstarstarstar_border

pS

October 30th, 2019 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.

starstarstarstarstar

Cindy Barber

October 30th, 2019 Tulsa, OK DETAILS arrow_drop_down
Value for your money
starstarstarstarstar
Quality of product or service
starstarstarstarstar
Customer service
starstarstarstarstar
Company trustworthiness
starstarstarstarstar

My overall experience has been stellar. The customer service has made me feel valued, helped me out tremendously and are friendly. Highly recommend!!

starstarstarstarstar

Carrie Sheehan

October 30th, 2019 Colonial Beach, VA DETAILS arrow_drop_down
Value for your money
starstarstarstarstar
Quality of product or service
starstarstarstarstar
Customer service
starstarstarstarstar
Company trustworthiness
starstarstarstarstar

They explained everything in detail. They have helped me out so much on getting a handle on my credit cards I was drowned in debt and now I am not.

starstarstarstarstar

Dawayne M.

October 30th, 2019 East Lansing, MI DETAILS arrow_drop_down
Value for your money
starstarstarstarstar
Quality of product or service
starstarstarstarstar
Customer service
starstarstarstarstar
Company trustworthiness
starstarstarstarstar

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.