Nonprofit organization providing free foreclosure prevention counseling and eviction assistance to eligible Anne Arundel County residents at risk of housing loss.
Editorially reviewed by Harvey Brooks
Arundel Community Development Services, Inc. (ACDS) is a Maryland-based nonprofit corporation established to serve low-income individuals and families in Anne Arundel County. The organization's core mission centers on creating affordable housing opportunities and improving lives through community development services, operating as a comprehensive community resource hub rather than a commercial lending entity.
ACDS provides free housing preservation services including a Foreclosure Prevention Counseling program for homeowners struggling with mortgage payments and an Eviction Prevention Program for renters at imminent risk of displacement. Both programs are offered at no cost to eligible Anne Arundel County residents. Beyond crisis intervention, ACDS offers broader housing resources, community planning and development services, and funding opportunities for developers and nonprofits seeking to expand affordable housing stock in the region.
The organization distinguishes itself through its dual focus on immediate crisis prevention and long-term community development. ACDS serves as the county's main development planning agency, provides professional development and scholarship opportunities for community members, and maintains active involvement in homeless services coordination through the Continuum of Care (CoC). The organization demonstrates accessibility through multilingual support, offering applications and services in Spanish, along with a comprehensive translation service supporting 200+ languages.
ACDS is best suited for Anne Arundel County residents facing immediate housing emergencies—specifically those at risk of foreclosure or eviction—who qualify based on income and residency requirements. The free nature of services and nonprofit status distinguish it from commercial alternatives. However, the organization's geographic restriction to Anne Arundel County and potential eligibility limitations based on income thresholds may exclude some consumers. The website lacks detailed information about specific eligibility criteria, approval timelines, and the full scope of assistance available through each program.
Yes. Arundel Community Development Service Inc is a registered company headquartered in Annapolis, MD. They hold a NR rating with the Better Business Bureau.
Counseling available within 1-2 weeks of contact.
CreditDoc Diagnosis
ACDS is best for Anne Arundel County residents facing immediate foreclosure or eviction who qualify based on income and residency requirements and need free professional counseling. The main caveat is strict geographic limitation—the organization only serves Anne Arundel County—and the website provides insufficient detail about specific eligibility criteria, application procedures, and the actual scope of financial assistance or loan modification services available.
Nonprofit NFCC-certified credit counseling agency offering free initial consultations and paid Debt Management Plans to reduce interest rates on unsecured debt since 1987.
Best for: Consumers carrying $2,000–$500,000 in high-interest unsecured credit card debt seeking negotiated rate reductions, People overwhelmed by multiple credit card payments wanting one consolidated monthly payment
Nonprofit credit and housing counseling agency founded in 1991. Offers debt management plans, foreclosure prevention, bankruptcy education, and student loan counseling across 12 offices in 11 states.
Best for: Consumers with significant unsecured debt (credit cards) seeking a structured, creditor-negotiated repayment plan, Homeowners facing foreclosure or first-time buyers who need HUD-certified housing guidance
American Consumer Credit Counseling, Inc. (ACCC) is a nonprofit credit counseling agency offering free debt management programs, credit counseling, and bankruptcy education to help consumers reduce debt and achieve financial stability.
Best for: Consumers in Atlanta, Georgia looking for credit repair services, People who prefer working with a local credit repair provider
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