We Are The Leading Association of Professional Consumer Credit Advocates. The American Fair Credit Council is authoritative association of professional Consumer Credit Advocates. We are organized around a few very simple, yet very powerful principles: • To support consumers dealing with overwhelming credit and debt problems • To promote and enforce industry “best practices” • 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. 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.