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American Credit Card Solutions debt relief review

Overall positive customer ratings — but it's only available in 17 states.

American Credit Card Solutions

ServicesDebt settlement
Minimum debt$10,000
Typical turnaroundTwo to four years on average
FeesNo upfront costs — settlement fees range from 15% to 25%, depending on your state of residence and amount of debt
Types of debt Unsecured debt, including unpaid credit cards, personal loans and medical bills
AccreditationsBetter Business Bureau
RatingsA+ rating and 4.9 out of 5 stars on the Better Business Bureau, 4.7 out of 5 stars on Trustpilot
Free resources or toolsFree initial evaluation within a few hours of filling out its online form, debt relief calculator, free monthly budget planner
Customer servicePhone, email
States servicedLicensed in 17 states
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How much does it cost?

There's no upfront cost to use American Credit Card Solutions. You will only pay a fee after a settlement has been reached with your creditors. Settlement fees vary by state and your total debt load, but are usually between 15% and 25% of your account balance.

How much could I save with American Credit Card Solutions?

It varies by how willing your creditors are to negotiate, how much debt you have and how fast you're able to build up your savings. In some cases, you may be able to save thousands of dollars off your total debt load. American Credit Card Solutions highlights a few of its clients on its website, with many saving anywhere from $2,000 to over $15,000.

What are the pros and cons of American Credit Card Solutions?


  • 30-day trial period
  • No upfront costs
  • Debt relief calculator and budget planner available


  • Doesn’t work with tax debt
  • May run a credit check
  • Only available in 17 states

Compare other debt settlement providers

Name Product Costs Requirements
Accredited Debt Relief
Charges and fees vary by the company you're ultimately connected with
Must be at least 18 years old and a legal US resident; additional terms may apply based on services and products used.
This A+ BBB-rated service offers free consultations to lower your monthly payments help you get out of debt faster.
National Debt Relief
15–25% of total enrolled debt
Must have a legitimate financial hardship which is preventing the ability to pay creditors and a minimum of $7,500 in debt.
Get back on your feet with a top-rated company that works with multiple types of debt.
Freedom Debt Relief
Monthly payment based on enrolled debt, no upfront fees
Must have at least $7,500 in unsecured debt, have a hardship is preventing the ability to pay creditors, and live in a serviced state.
Freedom Debt Relief works to help people with unmanageable, unsecured debt get back on their feet.

Compare up to 4 providers

Before you sign up with a debt relief company

Debt relief companies typically charge a percentage of a customer’s debt or a monthly program fee for their services. And not all companies are transparent about these costs or drawbacks that can negatively affect your credit score. Depending on the company you work with, you might pay other fees for third-party settlement services or setting up new accounts, which can leave you in a worse situation than when you signed up.

Consider alternatives before signing up with a debt relief company:

  • Payment extensions. Companies you owe may be willing to extend your payment due date or put you on a longer payment plan if you ask.
  • Nonprofit credit counseling. Look for free debt-management help from nonprofit organizations like the National Foundation for Credit Counseling.
  • Debt settlement. If you can manage to pay a portion of the bill, offer the collection agency a one-time payment as a settlement. Collection agencies are often willing to accept a lower payment on your debt to close the account.

What states is American Credit Card Solutions available in?

American Credit Card Solutions is available in 17 states:

  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • DC
  • Florida
  • Maryland
  • Michigan
  • Nebraska
  • New Mexico
  • New York
  • North Carolina
  • Oklahoma
  • Pennsylvania
  • Texas
  • Wisconsin

What do customers say about American Credit Card Solutions?

American Credit Card Solutions receives positive ratings on both the Better Business Bureau (BBB) website and Trustpilot as of May 2020. In fact, there are only six complaints listed on its BBB page — and only four negative reviews on Trustpilot. These customers had issues with the time it takes for the settlement process and were upset that some costs weren't disclosed at the beginning. The positive reviews were much less specific, but in general, customers said they had a positive experience and that their settlements were relatively painless.

Is it safe to use American Credit Card Solutions?

Yes, though no website can ensure your information stays 100% secure. American Credit Card Solutions does its part by encrypting any details you enter online. It also has a transparent privacy policy in which it clearly states it won't sell your personal information and only shares details necessary to do business on your behalf. If you choose to pursue debt relief with American Credit Card Solutions, your savings will be kept in an FDIC-insured savings account that you control.

How do I get started?

You can get started by filling out a simple online form on the American Credit Card Solutions website. Follow these steps:

  1. Click the Go to Site button on this page to be redirected to the American Credit Card Solutions online form.
  2. Enter your full name, date of birth, contact information and address.
  3. Select the amount of debt you have.
  4. Read American Credit Card Solutions' disclosures.
  5. Click Click for a Free Evaluation to submit your information.

An American Credit Card Solutions representative will call you to discuss your options. You can also reach out directly by emailing or calling American Credit Card Solutions at 877-820-2954. Representatives are available Monday through Thursday from 9 a.m. to 6 p.m. ET and Friday from 9 a.m. to 5 p.m. ET.

I've signed up. What happens next?

After you sign up, American Credit Card Solutions will open a savings account in your name. You will begin depositing monthly payments into your savings account and stop paying your creditors — letting your debt become delinquent. American Credit Card Solutions will begin negotiating with your creditors once you've built up your savings, and that money will then be used to pay off your debt. Negotiation typically begins a few months after you've begun the American Credit Card Solutions debt settlement program.

If you aren't able to make monthly payments, American Credit Card Solutions will modify your payment schedule to help balance your debt with any financial hardship you face. And if you decide you don't want to work with American Credit Card Solutions anymore, you'll receive all of the funds in your savings account — minus any fees from successful settlements.

Before you sign on with American Credit Card Solutions, compare your other debt relief options to ensure you're getting the best settlement possible.

Frequently asked questions


Review by

Kellye Guinan is a seasoned financial writer with over 500 articles under her belt spanning all things loans from auto to personal to business and everything in between. With four years in the field and five years of research experience, she's able to make complex personal finance decisions easier for anyone to tackle. When she's not up to her knees learning about the latest trends in lending, she spends her time improving her own financial literacy and expertise — and maintaining a Duolingo streak of over 1,300 days.

Expert review

American Credit Card Solutions is ideal for individuals looking to negotiate settlements for their outstanding unsecured debts — such as credit cards, medical bills and personal loans. It’s been in business for over 10 years and receives high ratings from former customers. It also has a 30-day trial period so you can get a feel for the company without having to commit.

But it doesn’t offer tax relief. And exact fees aren’t outlined on its website, meaning you’ll need to contact a representative to see exactly how much it might cost you. And like all debt settlement options, you should be prepared for a major dip in your credit score when you stop paying your bills.

Not sure American Credit Card Solutions is right for you? Compare other debt settlement companies below.

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