American Credit Counseling Service (ACCS) was founded on March 1, 1988, with a mission to help consumers, by providing financial education to those in need. In June, 1989, in response to requests from the United Way, ACCS began providing no-fee one on one credit counseling to United Way clients, in addition to seminars. ACCS was incorporated as a �not for profit� corporation, American Credit Counseling Service, Inc., in March, 1992, and received its tax exempt IRS 501 c (3) status in August, 1994. We continue to provide quality Financial Education to the consumer, and we still conduct seminars and workshops to the public, free of charge. We maintain a policy of lowering or waiving our fees for consumers, the majority of which are low income. We staff our nationwide toll-free telephone numbers for consumers that seek free credit and financial advice. We at ACCS feel that we provide services that are essential to all the communities that we touch.