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Helping America, One Consumer at a
Time.
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The
American Fair Credit Council is the leading association of
professional Consumer Credit Advocates organized around a few very
simple yet very powerful principles:
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- To
support consumers dealing with overwhelming credit and debt
problems;
- To
promote and enforce industry “best practices”; and
- To advocate for consumer-centric legislation at
the state and federal level that protects consumers through
strong regulation and preservation of choice of debt relief
options.
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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.
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The History of the American Fair Credit Council
The AFCC was formed in April 2011 by a group of
industry-leading companies to advance the goal of an industry in
full compliance with the regulatory initiatives of the Federal
Trade Commission. The AFCC founders realized that the former
trade association, The Association of Settlement Companies (TASC),
did not fully represent the wave of change that has swept through
the industry, and that the American public deserved a clearer, more
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forward-looking
approach to consumer credit advocacy. TASC no longer
exists. We are now the American Fair Credit Council
(AFCC). We have a new vision and a new mission that focuses on
the people we serve. Here are a few more ways in which we are
different:
CONSUMERS • 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.
FAIRNESS • 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.
ADVOCACY • We are a
champion for consumers, sometimes the only one they have. We
are aggressive advocate - for the industry, our members and our
clients.
COMPLIANCE • 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.
We look forward to continuing to make a difference in
the lives of those we serve.
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