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2432 W Peoria Building 15
Suite 1325 Phoenix, AZ 85029

 

 

 

 

American Family Credit Counseling is an IRS approved 501(c)(3) non-profit public service that provides assistance to consumers with credit related problems. AFCC offers credit education, budget counseling, and debt management plans that make it easier for consumers to repay their credit obligations. AFCC is regulated by the Arizona State Banking Department, which oversees all credit-related institutions that are incorporated in the state of Arizona. AFCC maintains the maximum bond required by law, thereby protecting all its' clients against theft, fraud or defalcation.

Since its inception in 1993, American Family Credit Counseling has provided comprehensive and flexible credit help to thousands of families in need and provides this service to individuals and families from coast to coast. AFCC is also a member in good standing of the Better Business Bureau of Central/Northern Arizona .

While the initial focus of the service centers on providing immediate relief from the intense pressures that excessive indebtedness creates, AFCC's objective is to build long range financial security by providing advice and guidance in all credit related matters. By acting as a neutral go between, AFCC can eliminate collection activity, reduce payments and interest, re-establish good credit and help restore a degree of normalcy to households caught in the nightmare of financial distress. This is done while insuring the eventual repayment of debt.

This service is made possible primarily by donations from the credit community and is available to anyone with a need for credit help who wishes to take advantage of it. AFCC is approved and supported by all creditors that endorse and support non-profit credit counseling. We at AFCC encourage anyone with credit problems to take advantage of the help that is available through our service. Contacting AFCC can be the first step on the road to peace or mind and financial security. Remember, it's never too late for anyone to save their credit.

Our Motto

"We will engage in no transaction which does not benefit all whom it affects."

AFCC Debt Management Plan Benefits:

  • Elimination or reduction of interest charges.
  • Elimination of late fees and overlimit fees.
  • Re-aging of past due accounts to a current status
  • Prevention of more serious collection remedies
  • Consolidating bills into one easy and affordable payment.
  • Prioritizing the most important debts when funds are limited.
  • Paying off debts much faster.
  • Rebuilding or protecting credit rating.
  • Restoring clients' peace of mind and feeling of self worth.

Types of Debts Eligible for Management Plan

AFCC will work with any unsecured debt and some secured debts as well. Creditors do not offer incentives on secured debts, but AFCC can help prioritize payments to the most important creditors in an effort to prevent repossession or foreclosure.

An unsecured debt is a debt that does not have collateral (car, house, furniture, etc.) attached to the debt. Unsecured debts include:

  • Credit Cards
  • Department Store Cards
  • Personal (Signature) Loans
  • Medical Bills
  • Legal Bills
  • Miscellaneous Bills (old utility bills, music & book clubs, old health club bills, deficiency balance on repossessed vehicles, etc.)  
AFCC cannot help repay non-sufficient fund checks, court fines or child support.