Consumer credit counseling, debt management, and financial education services provided by non-profit credit counseling companies designed to establish equilibrium between consumers, creditors, and member agencies for the successful rehabilitation of debt-challenged families and individuals.

About AICCCA Join AICCCA Consumer Resources Events Press Room Members Only

Our Mission

The AICCCA mission is to promote quality and professional delivery of credit counseling services. AICCCA independent non-profit member agencies assist millions of consumers annually with counseling and debt management services. Find out more about joining the AICCCA.

Recent AICCCA News

Press Releases

1/25/12 AICCCA Says Just Say No to Refund Anticipation Loans

1/10/12 AICCCA 19th Mid-Winter Conference to Address Critical Personal Financial Issues

12/27/11 AICCCA Offers Help For Red Tuesday Sufferers

12/14/11 AICCCA Offers Panic-Free Tips for Last Minute Shoppers

11/17/11 AICCCA Says Consumers Need a Plan to Avoid Red Tuesday^TM

11/1/11 AICCCA Warns Consumers to Beware of Red Tuesday^TM

10/24/11 AICCCA Credit Counselors Say Saving is Number One Way to Prevent Financial Problems

10/5/11 AICCCA Credit Counselors See Clients Today With Different Problems

8/15/11 AICCCA Says Take a Back to Basics Approach to Back-to-School Shopping

Recent Tweets

AICCCA Press Release

AICCCA Warns a Leading Cause of Bankruptcy Missing Early Warning Signs of Financial Trouble

Fairfax, VA - June 9, 2010 — Non-business bankruptcy filings more than doubled from 2006 to 2009. First quarter filings for 2010 increased almost 20 percent from first quarter filings in 2009. The Association of Independent Consumer Credit Counseling Agencies (AICCCA) urges consumers not to wait to get help if they are struggling financially or they may be too late to avoid bankruptcy.

"Consumers seeking help from our member offices are more and more often coming in too late to benefit from a debt management plan (DMP)," said Dave Jones, president, AICCCA. "In the recent past our member offices were able to help 20 to 25 percent of the consumers who came to us solve their debt problems with a DMP, but now it's only about seven to eight percent."

AICCCA warns if you are experiencing more than two of these early warning signs, seek help now:

Carrying credit card balances in excess of 10 percent of your annual income.
No money or an inadequate amount put aside in savings. An emergency savings cushion of three to six months of living expenses is crucial to staying in good financial health.
Using credit to purchase basic essentials. If you buy gas, groceries, prescription medicines or other essentials with your credit cards without a plan to repay in 90 days or less, chances are you are living beyond your means.
Can only afford to pay minimum payments. To pay down as much of your debt as soon as possible requires substantially more than the monthly minimum amount due.
Would be in immediate financial crisis with any disruption in income.

If you need help, contact an AICCCA member at 866-703-TRUSTAICCCA (866-703-8787) or visit www.aiccca.org.

Founded in 1993, Association of Independent Consumer Credit Counseling Agencies (AICCCA) is a national membership organization, established to promote quality and consistent delivery of credit counseling services. AICCCA and its members are focused on improved creditor relations, efficient processes and advanced technology to best serve clients and creditors. AICCCA members are independent nonprofit agencies that advocate for debtors, counsel millions of consumers annually nationwide and provide debt management services to consumers with excessive unsecured debt. For more information or to contact an AICCCA member office call 866-703-TRUSTAICCCA (866-703-8787) or visit www.aiccca.org.

TOLL FREE HELP LINE: 866-703-TRUSTAICCCA (866-703-8787)

PMB 626, 11350 Random Hills Road, Suite 800, Fairfax, Virginia 22030
Toll free: (866) 703-8787 P: (703) 934-6118 F: (703) 802-0207 Email Us
Consumer & Education and Resources