How It Works

Get a free evaluation

Take the first step towards debt relief with a customized, no-obligation evaluation specifically designed to help you get a better understanding of your financial situation.

Make an informed choice

Review your customized proposal and savings estimate. Decide if our debt relief program is the right solution for you. There are no upfront costs to get started.

Enroll in the program

Put our professional negotiators to work. Our team will negotiate with your creditors to settle each account for less than you owe. Your success defines our success.

Track your progress

Access your account information 24/7 through our online client portal. Get consistent updates from our Client Service Representatives as you progress through the program.

What Our Customers Say About Us


I had considerable debt, going paycheck to paycheck. It was a constant struggle to make my monthly payments. I called ACCS and discussed my situation with them. I signed up with them and they have been a Godsend for me: they have literally saved me thousands of dollars! I recommend the use of this company to everyone!!

Maria H.

I have been blown away by how amazing Rita has been at helping me find a solution and get my family back on its feet. She's treated me like an actual person and not just another number on her list. So happy with how things are going! Recommending them to everyone I know who needs it!

Lyndsay M.

ACCS is the best company out there for any credit card solutions! I have used them before and this time is no different. They take the time to get to know you personally and 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 plenty of people and always will!

Brian M.


"[ACCS has] saved me well over $4,000 and they're not even half-way done! I recommended them to my mother. This is the real deal! Go with ACCS!"


"The customer service is phenomenal. They always answer the phone no matter what time I've called. They keep an open line of communication with me to know how far I am along and new progress they have made."


"ACCS took on 8 accounts. They closed 6 within a matter of months. Customer service is second to none. Negotiators work closely with the companies. They boosted my credit score by 70 points. Now I'm well on my way to financial recovery."

Dare to dream!

It’s not a fantasy; you can have financial freedom. The first step is as close as a click or phone call away. Get the debt relief program that has helped thousands of satisfied customers find an end to debt.