The American Fair Credit Council is the leading association of professional Consumer Credit Advocates organized around a few very simple yet very powerful principles:
AFCC-certified Consumer Credit Advocates work on behalf of consumers by standing up to their creditors, thereby helping them get back on the road to financial independence. They do this by negotiating directly with creditors to secure a resolution that reduces the amount owed to a level the consumer can manage. In return for their services, AFCC-certified Consumer Credit Advocates are paid a fee by the consumer (never by the creditor) but ONLY WHEN THE DEBT IS RESOLVED.
To avoid any hint of impropriety, AFCC members do not handle, manage, or otherwise control their clients’ funds. All AFCC members agreed to abide by our Code of Conduct, which is the strictest in the industry.
Our primary focus is on the consumers we help. Their story – the suffering of good people drowning in credit card debt, in need of an advocate – has not been told well and is often misunderstood.
We fight for fair treatment for our customers by their creditors, and we provide fair services to the customers we serve. We only accept fees after we have successfully resolved a debt.
We are a negotiation advocate and a champion in the fight for the fair treatment of those burdened by unmanageable debt problems.
AFCC is ONLY for those willing to abide by the AFCC’s new Code of Conduct that emphasizes full compliance with the federal and state rules regulating what we do. There is now a bright line between good actors – and bad.