American Credit Counseling Institute (ACCI) is a non-profit organization which provides a wide variety of housing, budget and credit counseling services to home buyers, homeowners, and low to moderate income individuals and families. Our counselors provide guidance and advice to help families and individuals improve their housing conditions and meet their responsibilities of home ownership. ACCI also provides education and guidance with other financial challenges like budget and credit counseling, as well as debt management, mortgage default and delinquency. ACCIendeavors to help improve the lives of persons of modest means, older adults, and those with special housing needs.