If you are receiving unsolicited phone calls from an entity pretending to be ACCC (a trusted non-profit credit counseling agency), please be assured that ACCC’s policy is NEVER to contact you unless you’ve explicitly requested for us to call you.


ACCC’s Client Login allows current clients to access their program information, including the due date, program benefits, and other documents.

Select a Client Login below based on the service that you are currently enrolled in:

Debt Management Program

Client Login


Pre-Bankruptcy Client

Post-Bankruptcy Client

Not yet a client, but looking to get started?

ACCC offers debt relief options to individuals and families that are suffering from stress related to credit card debt by providing effective credit counseling, helping to consolidate debt, and advising on debt management.

Get Started


You are now leaving the Consumer Credit website and are going to a website that is not operated by ACCC. We are not responsible for the content or availability of linked sites.

Are you sure you want to leave?

No, return me to the previous page.


Need to Get Out of Debt?

Call Now 800 769-3571

We can help!

ACCC can offer you Debt Management Counseling to help you:

  1. Lower your interest rates and monthly payments
  2. Consolidate credit card bills into one simple monthly payment
  3. Bring an end to harassing calls from debt collectors
  4. 100% free consultation with a certified debt specialist
  5. Become Debt-Free (3 - 5 years in most cases)

American Consumer Credit Counseling (ACCC) is a non-profit credit counseling 501 (c)(3) organization.

Better Business Bureau A+ Rating


Need to Get Out of Debt? We Can Help.

Reduce Your Credit Card Payments by Up to 30 – 50%!

Call 800-769-3571

Counseling Center Hours (EST):
Mon-Thurs 9 AM – 11:30 PM | Fri 9 AM – 8 PM
Sat 10 AM – 6 PM | Sun Closed

Or, please complete the required form to continue

Emails must match
ACCC does not loan money

The more we know about your current situation and where you’d like to be, the easier it is for us to create a Debt Management Budget.

Can we keep going and learn more about your financial situation? (Must select Yes or No to proceed.)
Yes No

American Consumer Credit Counseling (ACCC) may use the contact information you provide to us to contact you about our services. For information on our privacy policies and commitment to protecting your privacy, please review our Privacy Policy.

Some fields are missing or incorrect

Vanessa Eastepp December 7, 2021 via Google

American Consumer Credit has help me get control of my life. Before I made that call to them, I didn’t sleep at night and was always dreading answering my phone. I knew I was way over my head in debt. I felt so alone. No where to turn. I searched on the internet and found several companies to help with my finances. After researching ACCC, I reached out to them...

See Full Review

What is a Debt Management Plan (DMP)?

A debt management plan (DMP) is a type of repayment plan that's set up and managed by a non-profit credit counseling agency like ACCC. As part of our DMP, creditors may waive late and overlimit fees, lower interest rates, reduce monthly payments and bring passed due accounts current (also known as re-aging). With many DMPs, the goal is to have your debts fully repaid within three to five years, and in some cases sooner. Once you start the DMP, you'll make a single monthly payment to ACCC, we will then distribute the money to your creditors every month on time.

As Featured On



See All Reviews

About American Consumer Credit Counseling (ACCC):

American Consumer Credit Counseling is a nonprofit credit counseling agency that helps consumers take control of their financial lives through credit counseling, debt consolidation, and financial education. Since 1991, we have been improving lives and providing solutions to people in need of financial help.

Get Started Now

Financial Resources & Tools

  • resources-budgeting

    Budgeting Tips and Tricks

    A budget is the cornerstone of responsible financial planning. It shows exactly how much money you have and where it’s being spent. Use our compiled helpful resources, tips, and tools to help you understand and create a successful budget.

  • resources-credit

    Understanding Credit

    Credit is a convenient way to pay for things, but knowing how to manage and maintain good credit can be very challenging. Check out our find informative articles that will help you learn all about maintaining good credit.

  • resources-calculator

    Calculators to help manage your money

    Use ACCC’s financial calculators to help you better track and budget your income and expenses to help you better manage your money.

  • resources-retirement

    How to prepare for retirement

    In your golden years? It’s important that you are knowledgeable about your financial situation so you are prepared to lead a financially healthy life. Get our checklist to help you with your preparations.

Dev Tool:

Request: None
Matched Rewrite Rule: None
Matched Rewrite Query: None
Loaded Template: front-page.php