American Consumer Credit Counseling Data Breach Settlement

American Consumer Credit Counseling, Inc. settled allegations that in January 2025 a criminal third party gained unauthorized access to certain of its employee email accounts, potentially exposing individuals' personal information. American Consumer Credit Counseling, Inc. denies any wrongdoing and the court made no finding of liability.

A settlement over a January 2025 cybersecurity incident in which a criminal third party gained unauthorized access to certain American Consumer Credit Counseling employee email accounts, potentially exposing personal information. Eligible people can claim documented losses or a flat alternative cash payment, plus credit monitoring.

Claim deadline

Sep 16, 2026

Who is eligible

All individuals residing in the United States whose personally identifiable information was potentially compromised in the January 2025 ACCC data incident, including all those who received notice of the incident.

How you get paid

Category 1 — reimbursement of documented out-of-pocket losses up to $3,500, plus compensation for lost time (up to four hours at $20 per hour, maximum $80); or Category 2 — a one-time alternative cash payment of $45 with no proof required. All Class Members may also enroll in three years of CyEx Financial Shield Complete credit monitoring.

Proof required

The $45 alternative cash payment requires no documentation. For documented losses, proof such as bank statements or receipts showing the expense resulted from the incident; lost-time claims require a brief description of the time spent.

This information is not a substitute for legal advice.