ACCC is truly dedicated to helping people regain control of their finances and we do our best to offer our DMP (Debt Management Plan) service at a reasonable cost to the consumer. There is not, nor has there ever been any charge whatsoever for a counseling session if the consumer does not enroll into a DMP plan. ACCC waives enrollment fees completely for any hardship as well as for students, senior citizens and veterans. ACCC maintains one of the lowest "true fee structures" of any agency in the U.S. Our goal has always been to provide the best service to the consumer at the lowest possible cost and our fees have ALWAYS been among the lowest.